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Disputing addresses in writing, what to include?


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I need to send in info to Experian (ID, SS card, and a utility bill) to dispute an old address. I'm going to write a letter to dispute the address with all of the info requested. Should I just go ahead and dispute with Experian and trans union the same way? I know usually we should volunteer information and evidence but is that really doing so when it comes to addresses?

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Thank you, I was going to dispute via mail because they said they needed proof of ID, address, and SS number.

 

I was able to call Trans Union and have everything removed (that was super easy). Experian will not budge on any of the addresses because they are all tied to a tradeline on my report. Not sure how to go about fixing that. I am going to call Equifax now.

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I had success with Experian using a letter. I included a copy of my W-2 and drivers license. Good luck to you. Letter is below.

 

Date

 

CRA

123 Main St

Anywhere, State 12345

 

Dear CRA:

 

Please be advised that you are reporting the wrong address information on my credit report.

 

My current address is:

(List your current address)

 

Please remove the following address from my report as it does not belong to me and is being reported in error:

 

Wrong Address:

(List wrong address)

 

I have included proof of my current address and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes.

 

Thanking you in advance.

 

Sincerely,

Joe Smith

123 Main St.

Anywhere, State 12345

SS#

DOB:

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Okay you said Experian in your original post. You mean Equifax. They can be a pain when it comes to ID verification.

 

In terms of Experian you just have to keep trying until you get a CSR that wants to play ball. I called many times over several months until I finally found one who was willing to delete any address I wanted.

Edited by shifter
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