Disputing Experian on-line?

[RobertEG]

My recommendation is to NEVER dispute through a CRA if the infromation is also subject to the direct dispute process of FCRA 623(a)(8).

Take the interfering CRA out of the picture, and deal only with the creditor/debt collector.

The CRA can hassle yuu with proof of identity requriements, tthey can sanitize your dispute through their automated e-Oscar dispute process, and can make "reinvestigation" determinations.  The back-and-forth between the CRA and the credtior also slows down the process.

Disputing on-line just additionally requires you to santize your own dispute even before the CRA gets their own crack at sanitation by also imposing their e-Oscar system.  All of these reasons, and more, are why congress implmented the direct dispute process.

[Anonymous]

i need to get several addresses off my report . how do i do that?

[RobertEG]

Personal identification information is specifically excluded from the direct dispute process, as are disputes over inquiries and those related to public record information.

If you must resort to the dispute process to address inaccuracies in personal information, you have no choice but to use the CRA dispute process.

That will always result in a dispute flag, which is a high price to pay for a dispute of information that does not enter into scoring.  The dispute flag will remove certain items from FICO scoring, thus rendering your score temporarily kinda useless.

I would always try the informal route first.... either calling the CRA, or getting the creditor to update their reporting.