In order to even dispute an issue with Equifax they require : a valid drivers license, a XXXX or social security card, and a current utility bill with a current address all within 24 hours. All of this information must be sent to Equifax within 24 hours of the dispute via fax or mail with the XXXX digit confirmation code. This requirement creates an unjust and unfair business to the consumer and only makes it more difficult to file a dispute for incorrect information. Having already validated all of my information and provided my social security number and personal information, this is only to prevent consumers from filing disputes. Some consumers might not have access to their XXXX 's or social security cards ( I do not have mine ) within the 24 hour time period. This is a situation that needs to be looked into.