Incorrect address on Credit Report

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4 posts
solo_credit
 
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Joined: Fri Jan 15, 2016 11:14 pm

Incorrect address on Credit Report

Postby solo_credit » Fri Jan 15, 2016 11:28 pm

Last week I checked my credit using Trans-union, and it shows an address in TN as my current address, I live in FL. I immediately opened a dispute to have that address removed from my credit but I am now wondering how could that happened. How can I find out how that address appeared on my credit?


thom02099
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Location: Colorado, USA

Re: Incorrect address on Credit Report

Postby thom02099 » Sat Jan 16, 2016 11:14 am

Have you gone through your TU report with a fine tooth comb, to make sure there's nothing else unusual going on? You may also want to check your EX and EQ reports, to see if the same thing has occurred. Disputing the entry would be one step. Actually calling TU could be another step, to have them check internal files for anything you may not be able to see in your report. TU would be the ones to be able to shed some light on how it may have happened.

Another thing to do would be to Google the address in question. Determine if it's an actual physical location or a PO Box drop point, basically a private Post Office. With a Google search, you may or may not be able to get information on that address for free. But there are other ways to get free information on the address.

Determine what county in TN that the questionable address is located. Search for that county's official website, and when you get that, find the County Assessor's Department (or something similarly named, for property tax purposes). One can search a specific address through the county public records. That way, you can perhaps attach a name to the address.

If necessary, file a police report with your local law enforcement agency on potential fraud. You may also want to consider a freeze on your TU account until you get the answers you seek.
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016

takeshi
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Re: Incorrect address on Credit Report

Postby takeshi » Tue Jan 19, 2016 9:02 am

There are a number of possible causes including fraud and a joint applicant's info being reported on your reports. Determining the source can be tricky and you'll just have investigate. This info is reported to the CRA's by the creditors. Definitely review your reports carefully.

mdawg
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Re: Incorrect address on Credit Report

Postby mdawg » Thu Feb 04, 2016 1:50 pm

solo_credit wrote:Last week I checked my credit using Trans-union, and it shows an address in TN as my current address, I live in FL. I immediately opened a dispute to have that address removed from my credit but I am now wondering how could that happened. How can I find out how that address appeared on my credit?


Phone the credit bureau they will tell you which creditor of yours reported this address.



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