Wrong Address' on Credit Report

[buckeyechick1219]

I was viewing my Exp CR and noticed that there were several addresses listed on it that were not mine, that I had never lived at. When I tried to dispute them, I got an error saying that the information was reported to them by a creditor so it could not be disputed.

My thinking...I've disputed several accounts as not mine. Most of those accounts have been deleted. Does anybody know if the CRA can tell me what creditor reported that address? And is it possible for me to have that address deleted if it's tied to one of the fraudulent accounts?

Again, I have NEVER lived at that address, and I've discovered that some legitimate creditors are sending information to old addresses, so what if this account information is being sent to somebody that isn't me?

[SecretAgentWoman]

Sometimes putting a temprary fraud alert on your Experian file and then disputing the information directly with the fraud department is the only way to get them to remove such information.

[thomassl]

I was viewing my Exp CR and noticed that there were several addresses listed on it that were not mine, that I had never lived at. When I tried to dispute them, I got an error saying that the information was reported to them by a creditor so it could not be disputed.

My thinking...I've disputed several accounts as not mine. Most of those accounts have been deleted. Does anybody know if the CRA can tell me what creditor reported that address? And is it possible for me to have that address deleted if it's tied to one of the fraudulent accounts?

Again, I have NEVER lived at that address, and I've discovered that some legitimate creditors are sending information to old addresses, so what if this account information is being sent to somebody that isn't me?

If you received an error message, you must have done this online. I know some dispute online but I personally prefer a paper trail. Anytime the CRA's verify information they must provide you with their MOV, method of verification...the how, when, who, where of how they verified it. I have had addresses removed by stating they were not mine when I called the CRA's on the phone. Most times this worked but if not, they would receive a certified letter asking verification methods.

[fred_perkins]

CRAs often make it as difficult as possible for you (the consumer) to dispute an address or other info. Experian can be especially hard to deal with when it comes to addresses. A common response that Experian has used is: "We store address information as it is sent to us by your credit grantors or from public records."

FCRA 611 (a)(1)(A) requires them to investigate a consumer's dispute of ANY item of info in a report, nevertheless the CRAs will sometimes refuse to investigate an address -- especially if one of your creditors (or even a collector) has reported the address to them.

I would love to know if anyone has ever successfully sued a CRA for using language like the above Experian response while simultaneously refusing to investigate bad addresses.

Also, read this similar thread: http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=259512

[fred_perkins]

I have also noticed something interesting about the way in which Experian and TransUnion are now handling address deletions. When I successfully disputed some addresses with TU and Experian a year ago, they acknowldged the deletions on the front page of the updated report that they sent. But when I sent an address dispute in February 2007, they deleted WITHOUT ACKNOWLEDGING the deletion. My hunch is that they're trying to eliminate evidence of a FCRA violation in case the deleted address is re-inserted(without the required notice by mail) at a later date.

As thomassl wrote, it really is important to establish a paper trail rather than submiting disputes to the CRAs online or over the phone. So I usually send disputes via Certified Mail and then retain the receipt with the tracking number. But now that TU and Experian are just deleting stuff without acknowledging the deletion, I won't have much evidence to show if I want to sue for re-insertion violations.