Is this true? Equifax says that addresses come from 3 places: hard pull, CSR, me

[TyrannicalDuncery3]

Today I talked to an Equifax CSR about an incorrect address on my report. I'm disputing it, I think that's all going to be fine.

The CSR told me that addresses on my report can only come from one of three places:

• a hard pull,
• Equifax personnel,
• something I submit to Equifax.

Is this accurate?

The CSRs seem not to know much and also to hide things. (Example: I asked whether they could tell me what lender provided the wrong address on my report, they said the couldn't. I asked them if they could tell me the source if the wrong address comes back, they said they couldn't because they wouldn't know. Then they pitched me on an upgraded Equifax product that would tell me the source of any new wrong address.)

UPDATE: No, it's not accurate. The second CSR said that it could result from a soft pull also. They seemed to think that it would have to result from some kind of pull, but they didn't sound totally sure.

UPDATE: It's super-inaccurate. The third CSR said that it could be associated with no inquiry at all. They said that the upgraded credit monitoring would still reveal the source of a new address, even if it was not associated with an inquiry.

[SouthJamaica]

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@TyrannicalDuncery3 wrote:

Today I talked to an Equifax CSR about an incorrect address on my report. I'm disputing it, I think that's all going to be fine.

The CSR told me that addresses on my report can only come from one of three places:

• a hard pull,
• Equifax personnel,
• something I submit to Equifax.

Is this accurate?

The CSRs seem not to know much and also to hide things. (Example: I asked whether they could tell me what lender provided the wrong address on my report, they said the couldn't. I asked them if they could tell me the source if the wrong address comes back, they said they couldn't becaue they wouldn't know. Then they pitched me on an upgraded Equifax product that would tell me the source of any new wrong address.)

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I'm sure the CSR has no idea where the addresses come from.

[TyrannicalDuncery3]

Thanks @SouthJamaica ! Do you have any thoughts on where addresses come from or how to find out?

Any idea how to get them to tell me the source of one specific address?

If it's a newly added address, maybe their paid monitoring product would work?

[Gunnerboy]

You may never find out the source of that mailing/billing address submission. It could just be a mistake. As long as you conveyed to the bureau that that has never been your address.

I would just update each creditor with your current mailing/billing address, and be done with it.

[TyrannicalDuncery3]

Thanks @Gunnerboy! Yeah, I already double-checked my address with all financial institutions with whom I currently do business. That should be all financial institutions with whom I have ever done business, because I've never closed an account.

I also had someone fix my addresss on 5/10. I checked back on 5/11 and it was still wrong. I filed a dispute on 5/11 using the online form, then I called on 5/12 and had someone fix it on the phone again. 30 minutes after that call, it shows as fixed! Hopefully this stays fixed.

But I'm trying to prepare for the possibility that a financial institution or a bug in Equifax is continually re-adding the wrong address. Hopefully that's not happening, but I'm nervous now because they claimed that they fixed it on 5/10. I have a bunch of soft inquiries on 5/10 and later, but they are all from Equifax. Apparently inquiries like that can be on behalf of a lender accessing another Equifax system, but I'm guessing that those are all due to my phone calls and disputes.

It could also be some kind of lag in Equifax updating. However, on 5/11 after I spoke with a CSR, my list of disputable items updated  (oddly, it went from the correct address to the wrong address) even though the rest of my Equifax report is not scheduled to update for another 25 days.

[SouthJamaica]

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@TyrannicalDuncery3 wrote:

Thanks @SouthJamaica ! Do you have any thoughts on where addresses come from or how to find out?

Any idea how to get them to tell me the source of one specific address?

If it's a newly added address, maybe their paid monitoring product would work?

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My guess is that they come in when a hard pull occurs.

I doubt there is a way to get them to tell you the source of anything.

I found Equifax's paid products to be a waste of money and time.

[CreditCurious]

Just dispute the address and move on.  They will typically delete it without any hassle.

When I started monitoring my credit, I noticed several incorrect addresses on my report, most of which were probably related to my ex-wife, one was an old work address.

I simply disputed with each bureau, and they all disappeared from my credit report in a day or two.

[TyrannicalDuncery3]

Nice! Yeah, I tried that once over the phone, they said it worked, then it didn't work (as of the next day). Then I disputed it again today, looks like it worked! I'm hopeful that it won't return tomorrow.

[coldfusion]

You can be proactive and pull a copy of your LexisNexis consumer disclosure at https://consumer.risk.lexisnexis.com/consumer as it's also used as a reference source by the CRAs and creditors.   Sometimes they screw up and co-mingle personal info from someone else with the same name or alias onto your report and (I've gone through this) an incorrect address successfully disputed off a credit report can reappear until you successfully dispute it off your LN report.

[TyrannicalDuncery3]

Thanks! Do you know whether SageStream is still separate from the main report?

EDIT: Called CSR and they said everything is now one report, including LexisNexis consumer disclosure, CLUE, SageStream, etc