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CRA Online Dispute Links and Addresses

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CHEXSYSTEMS ChexSystems

12005 FORD RD SUITE 600 DALLAS TX 75234

800-428-9623~602-659-2197

CSC CREDIT SERVICE CSC

P.O. BOX 981222

EL PASO, TX 79998-1222

EQUIFAX WWW.EQUIFAX.COM

PO BOX 105873 ATLANTA GA 30348

866-429-2824~888-532-0179~800-685-1111

888-345-9399~888-677-5577~800-882-0648 FAX 888-729-0083

EXPERIAN WWW.EXPERIAN.COM

PO BOX 9595 ALLEN TX 75013

888-972-5722~800-583-4080~800-831-5614

800-311-4769~800-322-3162~972-390-3838

INNOVIS WWW.INNOVIS.COM

950 THREADNEEDLE SUITE 200 HOUSTON TX 77079-2903

877-466-6847~281-589-1190~281-504-2600~800-457-0247

FAX 877-261-7721

TELETRACK WWW.TELETRACK.COM

155 TECHNOLOGY PKWY SUITE 800 NORCROSS GA 30092

877-309-5226 ~ 877-309-5226 ~ 770-449-8809

800-729-6981~770-449-6647

TRANSUNION WWW.TRANSUNION.COM

PO BOX 2000 CHESTER PA 19022-2000

800-851-2674~800-888-4213~800-916-8800

610-690-4990~800-680-7289~714-447-6032

714-447-6037~610-546-4605

FAX 714-447-6027

DISPUTE ONLINE

CSC

CSC

Experian Dispute

Experian

Equifax Dispute

https://www.econsumer.equifax.com/consumer/forward.ehtml?forward=investigation

TransUnion Dispute

http://www.transunion.com/content/page.jsp?id=/personalsolutions/general/data/DisputeCreditReport.xml

Various Places to Pull Your Reports From or To Monitor Your Reports

(The scores you will see with most of these reports won’t be your true FICO score. Same with Experian, the scores Experian shows you are not true FICO scores. Your true FICO score could be higher/lower than the scores you will see here) the only place you can buy a true fico score is at www.myfico.com or at equifax.com. If it does not say FairIssac score then you will know that it is not a FICO and can’t be depended on to obtain credit.

MYFICO = TransUnion & Equifax & Experain

This site has true FICO scores; you can buy single reports, or 3n1 reports. It also offers a homebuyers mortgage, it tells you what the lenders will see and what you can do to improve your scores for homeownership. If you use the code REP110 you can get a 10% discount.http://www.myfico.com

Worthkowing = TransUnion Report

This site has been known to have a lot of problems. If you can get them to pull your report it is free. You can go to my account after viewing your report and delete your account and start over a few times a day if you want. The only thing this site is good for would be what is called b.u.m.p.a.g.e. It clogs up your soft inquiries on TransUnion and that helps to b.u.m.p. hard inquiries off of your TransUnion report. Might work or it might not? Be cautious with b.u.m.p.a.g.e. as it could cause a split file. A spilt file will be heck to fix. When you have so much on your reports, it could cause you to end up with two or three seperate reports and FICO scores. www.worthknowing.com

Privacyguard = Equifax, TransUnion & Experian

This is a good site if you just want to keep track of your reports and disputes you may have going on. The three month trial costs $1.00 and you can get a fresh report each day. You can cancel and sign up again if you use a different credit card. The score is not true fico. You may notice that there are some things missing from this 3n1 that is on your report from the three main bureaus. This is pretty normal and there is nothing you can do to fix this. Using pg also contributes towards b.u.m.p.a.g.e. for both TU and EQU. There is no one who has had success with b.u.m.p.a.g.e. on Experian at all. www.privacyguard.com

If you are just starting out, you will want to contact each bureau directly for your first reports. It will have all of the info that you need to get started. Sometimes you can get a report for free, check the sites and it will tell you if you qualify for a free report. You can not call the credit bureaus to dispute or check on information if you do not have a current report with a file number directly from them.

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EXPERIAN NUMBERS

800-583-4080 Working 8/03

888-397-3722

888-397-3742 MI & MN Working 8/03

888-972-5722 Working 8/03

214-390-3914 Disconnected

214-390-3561 Disconnected

214-390-3569 Disconnected

714-385-7521 Disconnected

714-385-7331 Disconnected

714-830-7000 CA Working 8/03 LIVE PERSON ANSWERS

918-455-0800 OK Mark Gray Phone Lists Working 8/03

952-854-2318 MN Candy Carlton Working 8/03

972-390-4060 TX Experian Invalid Extension

VOICE MAIL

972-390-3814 TX Working 8/03

EXT 4000 Information Request

SUPERVISORS

972-390-4100 Order Reports Working 8/03

972-390-4101 CSS Test Development

972-390-4102 Mrs. Trevino Special Services Working 8/03

972-390-4103 Robin Crusin Working 8/03

972-390-4105 Tia Coot Working 8/03

972-390-4108 Specialized General Maintenance Line Working 8/03

972-390-4109 Kyra Williams Special Services working 8/03

972-390-3046 JOHN RORGE Working 8/03

972-390-3816 ANDREA GREEN Working 8/03

972-390-4011 BETH BLANOCK CONS AFF SPECIAL SER Working 8/03

972-390-4068 TOTAL RECALL Working 8/03

972-390-4087 BETHANY Hismith SUPER OF CUSTOMER RELATIONS

972-390-4088 KEN

972-390-4121 ANNETTA WALKER

972-390-4122 LEAD VIP TEAM

972-390-4123 ELIZABETH

972-390-4124 LISA WALLACE

972-390-4126 PAUL SUPERVISOR OF THE TOP GUN TEAM

972-390-4127 GREG MCGOWAN

972-390-4128 CHE

972-390-4130 CARLA BLAIR SUPERVISOR SPECIAL SERVICES

972-390-4131 KERRI IDEE SUPERVISOR

972-390-3000

972-390-3569

972-390-3811 No Answer

972-390-3942 Anna Walters Learning Center

972-390-3974 Michelle Moonahan Security

FAX NUMBERS

407-551-1955 FL Working 8/03

513-831-5693 Cincinnati Working 8/03

714-830-2449 Working 8-08-03

972-390-3809 Working 8-8-03

972-390-3838 Working 8-8-03

972-390-3850 Busy

Email

carrie.higginbotham@experian.com

TRANSUNION

800-680-7289

800-888-4213

800-916-8800

610-546-4600 PA

610-546-4601 THRU 4699

610-546-4612, 4618 CONSUMER WINDOW

610-546-4613 HUMAN RESOURCES

610-546-4614 LORI TAMARABUS HR

610-546-4617 BONNIE SAUNDERS HR

800-680-7289 TU FRAUD DEPT

Fax Numbers

205-980-6590 Birmingham

248-324-3062 MI

312-347-5770 Chicago

312-466-7986 Eric Rosenburg

318-478-1295 Louisiana

440-779-2388 OH

502-327-5460 KY

610-546-4601

610-546-4602

610-546-4603

610-546-4605 This number has been discontinued

610-546-4606

610-546-4693

610-546-4758

610 546 4765 Supervisor

610-690-3294

612-639-0705 Being checked for trouble Mr. Jeff Lahay, Vice-President

651-639-0705 Minnesota Working 8/03

704-527-7096 Charlotte

714-447-6027 Consumer Relations West

714-447-6032 ATTENTION: CONSUMER RELATIONS

714-830-2449

716-626-1795

718-897-3094 NY

775-352-7405 NV

781-246-7822 MA

801-266-5651 Salt Lake Joni Tolentino Dennis Littlejohn Garve Walker

804-747-5416 Richmond

901-684-5577 TN

Email

drichman@transunion.com

scraig@transunion.com

erosenb@transunion.com

EQUIFAX

800-525-6285 Fraud Department

800-685-1111 Order Report Working 8/03

888-873-5392

800-846-5279

FAX NUMBERS

225-293-9336 Louisiana

281-878-1974 Working 8/03

432-570-9307 Midland, TX

678-795-7798 Working 8/03

678-795-7954 Consumer Affairs dept Working 8/03

678-795-7798 Consumer Affairs

770-375-2744 AZ

858-565-4328 San Diego

888-664-4535

888-729-0083

866-233-3777

866-838-1016 ATTN: FAX TEAM

866-838-1017

Email

Veronica.Jones@equifax.com 404-745-7870

Robin.Holland@equifax.com

Bob.Cutrone@equifax.com

Vicki.Banks@equifax.com

CSC

888-501-6254

FAX NUMBERS

281-878-1974

407-551-1955

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Here are some more e-mail addresses for experian that I was able to find:

Credit Manager members: customerservice@creditexpert.com

Scorecard customers: scorecardcustomerservice@experian.com

Privacy concerns: privacy@experian.com

For Canadian residents: lorraine.browne@experian-scorex.ca

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I sent a crr letter to experian at this address and it came back to me as undeliverable.

EXPERIAN

PO BOX 9595

ALLEN TX 75013

Checked their web site and came up with this:

Experian has offices in 18 countries around the globe. In North America our two primary offices are:

Experian

475 Anton Blvd.

Costa Mesa, CA 92626

714 830 7000

MapQuest link

Experian

955 American Lane

Schaumburg, IL 60173

847 517 5600

MapQuest link

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The email listed aren't for disputing normal stuff....I would assume only use those emails if you have a complaint or if TU isn't doing their job and you've given them a chance to redeem themselves via normal routes.

If everyone just started sending disputes to these people, they'd change their emails and no one would be able to reach them.

I think that'd be like someone coming up to them on the street and handing them a dispute. It's not their department, you didn't dispute through necessary means and they shouldn't be held responsible for getting your stuff in. IMO.

Call and check the status. If the guy didn't forward it to the right place (don't even know if he CAN do that, though I doubt he has to) and a dispute isn't registering, start one online (website) or through mail.

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If you have a Fraud Alert and your file is handled by CSC you have to call the fraud dept. Their number is 800-272-9281.

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need to update phone #'s

EQ- 1866 4292824 -busy

1-888 5320179- out of order

EX- 1-888 972 5722- no answer

1-800 583 4080-wrong number

TU- 1-800-851-2674 - non working

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Trans Union:

http://www.transunion.com/content/page.jsp?id=/personalsolutions/general/data/DisputeCreditReport.xml

TransUnion Consumer Solutions

P.O. Box 2000

Chester, PA 19022-2000

Experian:

http://www.experian.com/disputes/index.html

Note from EX: "Experian's National Consumer Assistance Center does not recognize faxing as a secure means for transmitting confidential consumer identification information. Therefore, we do not accept consumer correspondence that is faxed to any Experian office. Faxed documents are not processed."

Experian NCAC

Po Box 9701

Allen, TX 75013

Equifax:

https://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=online_dispute

Equifax Information Services LLC

P.O. Box 740256

Atlanta, GA 30374

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DocDon Experian told me today that if you send DV letter to Texas address that they sometimes don't get it and some of them get shredded. They said to use the this address 2500 Maitland Cenper Parkway suite # 230 Maitland,Fl. 32751. I don't know how true this is or if it's one of their tricks but it made me really MAD since my disputes are suppose to be over on the Feb. 24th. 2005

Like CSC for EQ, Maitland handles Florida for EX.

Also, you don't send DV letters to the CRA's.

Maitland Data Services

Attn. Consumer Assistance

2500 Maitland Center Parkway Suite 230

Maitland, FL 32751

800-749-7576

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These were from a November 17 2004 report

Experian

PO Box 9600

Allen, TX 75013

Equifax Credit Information Service

PO Box 740241

Atlanta, GA 30374-0241

Transunion

2 Baldwin Place

PO Box 1000

Chester, PA 19022

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Has anyone ever realy talked to a person from CSC??

I have had a heck of a time with these people. I recieved a CR from Equifax and when I tried to disput it was sent to CSC. I posted a dispute but got no confirmation of it.

Tried to call the # it lists on the site and it is just an automated info line.(800-392-7816)

Called the # listed a few posts up ( 888-291-7672) and cant seem to get a person to answer. and when I stay on hold it holds for a few min then hangs up.

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The credit reporting agencies swap out numbers all the time, like one week one will work and the next week it is a different number.

Also know that Equifax and Experian have shut down accepting faxed disputes, TransUnion might be the last yet accepting them.

CSC Credit Services,

CSC Credit Services

Attention: Consumer Assistance

P.O. Box 981221

El Paso, TX 79998-1221

(800) 759-5979

www.csccredit.com

http://www.csc.com/solutions/creditservices/

Found that number at their web site, might give that a try.

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I just wanted to add that the 972-390-3838 fax number for Experian goes to a department called "Profile Maintenence". Cingular and AT&T have both faxed letters to them on my behalf with that listed.

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YES!! The number is: (888)700-3183

Has anyone ever realy talked to a person from CSC??

I have had a heck of a time with these people. I recieved a CR from Equifax and when I tried to disput it was sent to CSC. I posted a dispute but got no confirmation of it.

Tried to call the # it lists on the site and it is just an automated info line.(800-392-7816)

Called the # listed a few posts up ( 888-291-7672) and cant seem to get a person to answer. and when I stay on hold it holds for a few min then hangs up.

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I had Experian's address as being PO BOX 9556, Allen, TX. As opposed to PO BOX 9595. Has this changed, or can anyone verify it?

edit: I just found another source online (not Experian) that lists Experian's address as P.O. Box 2104, Allen, TX 75013-2104.

And yet another that lists it as P.O. Box 2002.

And yet a 3rd who reports:

"As of January 10, 2005 this is the address I was given by Carol(Experian Customer Service Agent) when I called 1(714)830-7000

Experian Information Services 2220 Ritchey Santa Ana, CA 92705 "

I have no idea who to believe anymore.

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Here is contact info for the corporate offices of all three CRAs. (By also sending copies of your certifed-mail letters to the execs, the CRAs can't argue that they didn't receive your letters AND if the executives don't ensure your disputes are properly handled then they incur personal liability - I'm still in the process of conferring with attorneys about the exact provisions and damage amounts of such liabilities.)

Equifax, Attn: Kent E. Mast, General Counsel, 1550 Peachtree St NE, Atlanta, GA 30309, Phone 404-885-8000, FAX 404-885-8988

Experian, Attn: Donald Robert, CEO, 475 Anton Blvd., Costa Mesa, CA 92626, Phone 714-830-7000, FAX 714-830-2449

TransUnion, Attn: Harry Gambill, CEO, 555 West Adams ST, Chicago, IL 60661, Phone 312-258-1717, FAX 312-559-5682

This information is accurate - and both letters and faxes have been received - as recently as Friday 7 October 2005.

Also, I know it's a bit more expensive, but you should a) certify-mail your letters to the execs, and B) have your dispute letters notarized ($1.00 per letter). It effectively turns your letter into a legal statement that you're telling the truth, and more importantly it tells them you're serious.

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