If you believe there is an error on your Experian credit report, you can raise a dispute with Experian to correct the information. Here are the steps to raise an Experian credit dispute:
- Review your credit report: Obtain a free copy of your credit report from Experian and review it thoroughly to identify any errors or inaccuracies.
- Gather evidence: Collect any documents or evidence that support your claim of an error on your credit report. This could include credit card statements, payment receipts, or any other relevant documentation.
- Start a dispute online: You can file a dispute online through Experian’s website. Create an account and follow the instructions to file a dispute. Make sure to provide as much detail as possible, including the reason for your dispute, any supporting documentation, and your personal information.
- File a dispute by mail: Alternatively, you can file a dispute by mail. Send a letter to Experian at the address listed on your credit report. In the letter, provide your name, address, and account number(s) for the disputed item(s). Include a clear description of the information you are disputing and any supporting documentation.
- Wait for a response: Experian will investigate your dispute and contact you with the results within 30 days. If Experian determines that there is an error, they will correct your credit report and send you an updated copy.
- Follow up if necessary: If Experian does not correct the error or if the error reappears on your credit report, you can follow up with them and provide additional evidence to support your claim.
It’s important to raise a dispute with all three major credit bureaus (Experian, Equifax, and TransUnion) as each maintains a separate credit report, and errors can differ across reports.
There are two ways you could do this.
- Visti the ECS Dispute
- ECS Dispute without UTI & ERN?
ECS disputes normal workflow.
Do not have UTI & ERN?
Unique Transaction ID

Unique Transaction ID is a number which you’ll find on your email body sent by “Experian Credit View”.
Where to find UTI – You will find the ERN and UTI in the top right corner of the report

Experian Reference Number
You will find Experian Reference Number on the top right corner of your credit report.
Where to find ERN
