Disputing old addresses,phone numbers, etc.

[jlyriq]

So i plan on calling TU and EQ tomorrow to dispute old numbers, addresses, phone numbers, etc. But here is the question, what do i tell them as to why I'm disputing the items?


P.S. already got 4 addresses, 6 phone numbers and employer deleted from Experian.

[Trish]

Just tell them you never lived there.......or that was never your phone number. They won't have any idea if you did or didn't........so no worries.

[improving]

What if I had already disputed old addresses and now want to get rid of old, old addresses as well (those involved in b/k) ?? Should I try - will they look up old dispute? I didn't write or type it separately, I just marked on credit report - not correct, etc, etc.

[Trish]

Yes....you can still dispute the old ones. You can just say never lived there........if for some reason it comes back verified, I know of a more strongly worded letter for addresses. I will see if I can locate it and then post it later on today.

[improving]

ok - thanks!
I'll be doing another round of stuff today sometime. And pull my reports since I haven't a clue where they are at right now.

[Trish]

Ok......I actually found it.

These are for addresses that you have a hard time getting off. Still not sure if it will work for EX.....but it's worth a shot.


First, take a close look at the addresses you wish removed,if there is the SLIGHTEST discrepancy, write a short note to the CRA, include a copy of a current utility bill with your current address, and a copy of your drivers license with your current address along with this letter:

Dear CRA,

Enclosed please find proof of my residence address, please remove the address of XXXXX as shown on my credit report # xxxx, as it is inaccurate and I am concerned that this inaccurate address may create an opportunity for identity theft.

Thank you,
*your name*


If there is NO inaccuracy,or if it was a P.O. Box, substitute the underlined phrase with this:

as I have not lived there (or had that PO Box #) for quite some time, and since many other people have been using that address (PO Box#) in the years since I was there, I am concerned that the reporting of this address on my current report may create an opportunity for identity theft"( you can add this if appropriate "as I have a fairly common name")