CRA Address Removal Question

[smoothbelly8]

Hello everyone,

 

I have been reading the forums for quite awhile, but this is my first post. Thanks so much to all of you veterans who have educated me in the initial steps to cleaning up my credit!

 

After doing my homework, I have opted out with all three CRA's and am now working on removing my old addresses from my credit reports. With TransUnion and Equifax, I have already sent out letters. However, I hear that Experian is a real beast in this department. While I will try not to request deletion of all of my old addresses with these guys, I have somewhat of a "unique" question about 2 former addresses on my credit report...

 

Ok, here's the deal. I lived at a sober living apartment for 8 mos. I have no clue how the credit bureaus got a hold of this address, as all of my mail went to my sister's address in another state, and she in turn mailed it to me. I was however, required to get an ID with the DMV in the state I was residing during this time, and the address of the sober living apartment was on that ID. So I am assuming this is how they got it.

 

My question is this-Can I have Experian (and the other 2 CRA's for that matter if they will not cooperate) remove this address due to HIPAA? Seems to be a Privacy issue somehow. I look at it as a long term treatment facility, and I don't see how they can be able to keep it on my CRA if I request it to be taken off. And frankly, I don't feel comfortable about it being on there if a potential employer pulled my credit. Then again, maybe I have no clue what I am talking about either.

 

Second, my sister's address that all of my mail at the time went to is also listed. Can I just address that as ":Never lived there"? I never did live with her so it's not lying.

 

Hope someone can help with this, and thanks again so much for all of the helpful posts.Hope I didn't go on for too long.

[cv91915]

I don't have the expertise on this matter, but I did want to congratulate you on getting sober. If you can kick an addiction in the flowers you can fix your credit.

[mariuszh]

Dispute every address that you do not currently live at citing fear of identity/theft fraud as the reason. Be sure to contact any old but positive tradelines of your current address beforehand.

 

Send a copy of the personal page of your report with each old address circles. Also send a copy of your DL, SSN, and a utility bill with your current address.

 

TU and EQ most likely will not give you any trouble.

 

EX will not delete any address tied to a tradeline.

[eatcookies]

EX deleted duplicates of two addresses tied to tradelines, but refused to totally delete old addresses. The other two did no problem. Your situation does sound different, though. I would try it.

[smoothbelly8]

Thanks BI Grasshopper! I really appreciate your post

[phoenixisrising]

I don't have the expertise on this matter, but I did want to congratulate you on getting sober. If you can kick an addiction in the flowers you can fix your credit.

 

ditto..btw that's CV who is actually one of a gang of BI Grasshoppers!!

[Pepe Silvia]

I think your HIPAA argument is pretty good, actually. Not really familiar with the law itself, but we have similar address issues at my work regarding substance abuse treatment, and we have to be very careful about giving out those addresses without authorization.

[cv91915]

 

I don't have the expertise on this matter, but I did want to congratulate you on getting sober. If you can kick an addiction in the flowers you can fix your credit.

 

ditto..btw that's CV who is actually one of a gang of BI Grasshoppers!!

And apparently I have an entourage.

[NamedAfterMyMom]

Do you have to have a reason? I just requested an old address be removed fom Experian and Transunion. I just sent a letter certified mail stating it should be deleted. Experian emailed a link the dispute report stating it was removed. I haven't heard from TransUnion, yet...

[NamedAfterMyMom]

Do you have to have a reason? I just requested an old address be removed fom Experian and Transunion. I just sent a letter certified mail stating it should be deleted. Experian emailed a link the dispute report stating it was removed. I haven't heard from TransUnion, yet...

 

I checked my TransUnion and it is removed from there as well...