Capital One Dispute Address
Use this page to send written correspondence disputing inaccurate or unverifiable information reported by Capital One.
Credit-report furnishing dispute
VerifiedLast verified September 1, 2026Credit-report furnishing dispute
VerifiedLast verified September 1, 2026Direct credit bureau dispute
VerifiedLast verified September 1, 2026Use for: Initial factual inaccuracy dispute · Supporting-document follow-up · Account status dispute · Balance/amount dispute · Payment history dispute · Date/opened/closed dispute · Ownership/responsibility dispute · Duplicate account dispute · Identity information correction · Reinvestigation follow-up.
Credit Bureau Dispute
VerifiedLast verified September 1, 2026Use for: Initial factual inaccuracy dispute · Supporting-document follow-up · Account status dispute · Balance/amount dispute · Payment history dispute · Date/opened/closed dispute · Ownership/responsibility dispute · Duplicate account dispute · Identity information correction · Reinvestigation follow-up.
Personal loan/deposit CRA reporting dispute
VerifiedLast verified September 1, 2026Also used for: Equifax/Experian/TransUnion reporting dispute.
Use for: Initial factual inaccuracy dispute · Supporting-document follow-up · Account status dispute · Balance/amount dispute · Payment history dispute · Date/opened/closed dispute · Ownership/responsibility dispute · Duplicate account dispute · Identity information correction · Reinvestigation follow-up.
ChexSystems / EWS reporting issue
VerifiedLast verified September 1, 2026Also used for: Credit reporting dispute.
Use for: ChexSystems/EWS reporting - Initial factual inaccuracy dispute · ChexSystems/EWS reporting - Supporting-document follow-up · ChexSystems/EWS reporting - Account status dispute · ChexSystems/EWS reporting - Balance/amount dispute · ChexSystems/EWS reporting - Payment history dispute · ChexSystems/EWS reporting - Date/opened/closed dispute · ChexSystems/EWS reporting - Ownership/responsibility dispute · ChexSystems/EWS reporting - Duplicate account dispute · ChexSystems/EWS reporting - Identity information correction · ChexSystems/EWS reporting - Reinvestigation follow-up.
Don't send a weak letter to Capital One.
Get the DIY Credit Repair Playbook: step-by-step instructions plus ready-to-use dispute letter templates.
Get the DIY PlaybookWhat to include
- A copy of your photo ID (never send originals).
- Proof of address, such as a utility bill or bank statement.
- The dispute letter itself, naming the account and the inaccurate or unverifiable information you are disputing.
Need the letter? Use our templates → - Send it certified mail with return receipt so you have proof of delivery.
- Keep copies of the letter, enclosures, and mailing receipts for your records.
What happens next
Once your dispute is received, the company generally has 30 days to investigate under the Fair Credit Reporting Act — up to 45 days if you send extra information during the investigation. You should get a written response describing the outcome.
If there is no response, follow up in writing with a copy of your certified-mail receipt, dispute the same information directly with Equifax, Experian, and TransUnion, and consider filing a complaint with the CFPB and your state attorney general. Keep every response in one file.
Rather not deal with this yourself?
Safesky Consulting handles every dispute for you on a fixed 6-month plan.
Take the free credit assessmentFrequently asked questions
Where do I send a dispute to Capital One?
Mail your dispute to Capital One, Credit Card, P.O. Box 31293, Salt Lake City, UT 84131-1293. If Capital One lists a different address on your most recent statement or notice for your specific account, use that one.
What should I include in a dispute letter to Capital One?
Include your full name and current address, the account number, a clear description of the inaccurate or unverifiable information, copies (never originals) of any supporting documents, a copy of your photo ID, and proof of address. Send it certified mail with return receipt and keep a copy of everything.
How long does Capital One have to respond?
Under the Fair Credit Reporting Act, a furnisher or credit reporting agency generally has 30 days to investigate a dispute it receives, with a possible extension to 45 days if you send additional information during that window.
What if Capital One doesn't respond?
If you get no response within 30 days, follow up in writing with a copy of your certified-mail receipt, dispute the same inaccurate information directly with Equifax, Experian, and TransUnion, and consider filing a complaint with the CFPB and your state attorney general.
Which Capital One address handles credit-report furnishing dispute?
Send credit-report furnishing dispute correspondence to Capital One, Credit Card, P.O. Box 31293, Salt Lake City, UT 84131-1293.
Which Capital One address handles direct credit bureau dispute?
Send direct credit bureau dispute correspondence to Capital One, P.O. Box 31293, Salt Lake City, UT 84131-1293.
Which Capital One address handles credit bureau dispute?
Send credit bureau dispute correspondence to Capital One Auto Finance, P.O. Box 259407, Plano, TX 75025-9407.