Credit Advice

Stopping collection calls for previous resident

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Credit Advice

Stopping collection calls for previous resident

Dear Experian,

My file looked clean when I checked it a few weeks ago. My problem is the folks who rented here before me seem to have kept their old address on your files, and I continue to get bill collectors and other calls to my residence. How do I get someone to note they do not live here since my purchase in 2002?

- SCA

Dear SCA,

It is quite possible that the collection agencies are getting the address information from a source other than your credit report or the credit report of the person to whom the debt belongs.

It is more likely that the information is coming from the lender’s original billing records. If it is the only address they have, they are sending the collection correspondence to it. You just happen to be the unfortunate recipient.

About the only thing you can do is notify the collection agencies in writing that the people they are looking for no longer live at that residence and request that they cease sending correspondence to your address. The Fair Debt Collections Practices Act (FDCPA) requires that they stop contacting you after you make that request. You can find more information about the FDCPA on the Federal Trade Commission web site.

Collection agencies can and do use credit reports to help them locate consumers who have not paid their debts. In most cases, a person’s new address is reported when they notify their existing creditors that they have moved.

If the person had no other existing debts and did not apply for new credit, it is possible that a new address has not been reported to the credit reporting companies.

Thanks for asking.

- The "Ask Experian" team

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