topic Re: Wrong address on EQ report in General Credit Topics

Wrong address on EQ report

Anonymous — Tue, 21 Oct 2014 13:49:49 GMT

My EQ report lists my current address and some old addresses I have used. Under the old addresses it has one that I never had. Is this something worth having removed. If not can it ever become an issue.

It's not fraud related as I think I know why its showing. Back in 2005 I was in school and took some time off. Since I wasn't enrolled my student loan kicked in. At the time being busy with work and other things I didn't think to much about it. A few months in I get a 30 day notice from Sallie Mae in the mail. Thing is I never received a bill. Quickly I call them up to resolve this issue. They ask to confirm my address and it's totally wrong not even the same state. That's where my bill was sent, funny the 30 day notice made it to the right address! I wasn't to happy but we work it out, late fee gets removed CR get fixed no problems. How does that even happen, same name, similar SS, drunk rep, who knows?

Re: Wrong address on EQ report

Anonymous — Tue, 21 Oct 2014 14:03:25 GMT

Great question! Found erroneous addresses too. I filed a dispute and made them delete/remove. LexisNexis had me living in Texas and I never lived there. EQ and EX are pains but go after it. Was denied a card because I could not confirm a public information question on an old address. So I had as many removed as possible.

Re: Wrong address on EQ report

Anonymous — Tue, 21 Oct 2014 14:22:36 GMT

Ha, LexisNexis in Texas I like that. Hmm, maybe I should see about having it removed.

Does address info ever fall off reports? Don't seem like it. My childhood home is on their, haven't lived there in 15 years, that one surprised me.

Re: Wrong address on EQ report

Anonymous — Tue, 21 Oct 2014 14:41:20 GMT

No, nothing seems to fall off. My LexisNexis report had 52 addresses. Unreal. Note, several are the same address with a different letter or number. UNREAL!

Re: Wrong address on EQ report

MarineVietVet — Wed, 22 Oct 2014 07:06:00 GMT

@Anonymous wrote:
Ha, LexisNexis in Texas I like that. Hmm, maybe I should see about having it removed.

Does address info ever fall off reports? Don't seem like it. My childhood home is on their, haven't lived there in 15 years, that one surprised me.

I still have one listed from 1983.

Re: Wrong address on EQ report

Kirmie2010 — Wed, 22 Oct 2014 08:03:41 GMT

If its old I cant see it being any issue except when doing the security check for your report they may ask if youve lived on that address, if you dont remember it youll fail the security question.

Theyve done it to me too, I had an address in a different state. A car loan listed that I never took out, I also had a background check showing on my report (right around the time they caught the guy). Those were some murderer in another state with almost an identical name to me except his last name was Swaggerty mine doesnt have 2 Gs. They may of just looked for your name and sent it to someone with the same name.

Re: Wrong address on EQ report

takeshi74 — Wed, 22 Oct 2014 12:08:29 GMT

@Anonymous wrote:
Is this something worth having removed. If not can it ever become an issue.

AFAIK no impact on your scores. However, that information can be used to verify your identity. If you don't remove it then you'll need to understand that as far as hte CRA is concerned it's a valid address for you. Make sure you recognize the address if you don't dispute it and it comes up in a verification question. I'd suggest having it removed. Why do you want to leave invalid information in your report? It's not difficult to dispute.