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May 27, 2009

Dispute addresses for the Big Three credit bureaus

The big three credit bureaus all have addresses that consumers are supposed to use to dispute inaccuracies appearing on their credit reports. However, Experian likes to play games in order to avoid recceiving disputes from consumers.

Before I discuss Experian's game playing and the best way around it, here are the addresses to use to dispute errors appearing on your Trans Union and Equifax credit reports:

Equifax Information Services
P.O. Box 740241
Atlanta, GA 30374

Trans Union
P.O. Box 2000
Chester, PA 19022

Now, for Experian's games. Experian wants consumers to send their disputes to whatever p.o. box appears on Experian's website and credit reports. However, every so often, approximately once a year, Experian changes its dispute address and closes the p.o. box that it used previously. This causes the dispute letters to either be returned or, more often, just lost in the nether regions of the postal service. This allows Experian to catch up on disputes that its behind on (because there is a time gap before consumers learn of the new p.o. box to send disputes to) and provides a defense of "we didn't get the dispute" if and when Experian is sued by the consumer whose dispute(s) are lost.

The best way around this particular game played by Experian is for consumers to send their disputes to Experian's physical address, which is 701 Experian Pkwy, Allen, TX 75013. It is much harder on Experian to move their entire building than it is to simply close a p.o. box. So send your disputes to Experian's building in Allen, Texas and thus ensure that Experian can't claim it did not receive your dispute letter.

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