Experian Credit Reporting Bureau No physcial address posted on website for sending supporting documentation to experian Allen Texas
I received my credit reports from myfico.com
I found some inconsistencies in the report from Experian. I thought it would be simple to be able to provide my documentation supporting my claims but found that Experian only allows you to file a dispute online. They do not post a physical address where you can send a registered letter with your documentation. Under FCRA law I am allowed to receive my credit report yearly for free. Experian doesn't seem to want you to do this, as per their own website: "Experian believes that we can best assist consumers who have received a current copy of their personal credit reports directly from us. Only Experian can provide a full disclosure of all of the information you are entitled to see under the Fair Credit Reporting Act. In addition, when you obtain a report directly from us, we provide a notice of your rights under the FCRA."
https://www.experian.com/consumer/cac/01_loginInfo1.htm
So in other words, if you do not purchase a credit report from them directly, you cannot get their address. I think this is violation of the FCRA and possibly consumer laws of the state of Texas. If you research physical address on the internet for Experian see what you come up with, look at all the addresses that are PO boxes for Experian and all the messages that their letters were returned because the PO box was closed by Experian and no forwarding address was given.
I want Experian to post their physical address on their website and make it easier for consumers to send in supporting documentation. I have complained to the FTC and the BBB and now at this website. I will continue to voice my compliant with every consumer watchdog group until this matter is rectified.
Jamie
New Port Richey, Florida
U.S.A.
2 Updates & Rebuttals
Former Experian Employee
Schaumburg,Illinois,
U.S.A.
Experian Credit Report
#3UPDATE EX-employee responds
Wed, November 05, 2008
Please don't be discouraged with this process. Since you received your report from myfico.com, only they validated your personal information, not Experian. Also, you can request to dispute information through myfico.com but if they are not willing to file a dispute on your behalf, you will need to get a report directly from experian.com or from the website that is set up SPECIFICALLY to receive your one free credit report every 12 months at annualcreditreport.com. By using one of these sites, Experian can then verify your information and that you are you, not someone posing as yourself. After ordering the report, you will receive a report number and an address to mail disputes, a toll-free number to call or the best method is to file the dispute online.
I understand that this may be frustrating but you have to understand that Experian is concerned about protecting your information and with the levels of fraud right now, this should be a little bit of a relief that we take the extra step to protect your information.
Robert
Rochester,New York,
U.S.A.
Addresses..
#3Consumer Comment
Thu, October 30, 2008
Your first problem was getting your "free" credit report from myfico (or freecreditreport or a dozen others. These people will charge you for other products under the guise of giving you a free credit report..
If you go to https://www.annualcreditreport.com/cra/index.jsp. you can get it for free. Download the report, print it off. By law, they have to give you an address to send disputes. This "you have to do it online" is crap.
Addresses..
Corporate headquarters
Experian
475 Anton Blvd.
Costa Mesa, CA 92626
1 714 830 7000
Experian
955 American Lane
Schaumburg, IL 60173
1 224 698 5600
To Send disputes:
Experian /NCAC
Po Box 9556
Allen, Texas 75013
888-493-1058
For the others.
Equifax
PO Box 740241
Atlanta Georgia 30374
800-685-1111
Trans Union
PO box 1000
Chester, PA 19022
800-888-4213