Dispute an Incorrect Address on Your Credit Report

CAPS - View Report, Dispute
Dear Experian,

There is an address on my credit report at which I never resided. How do I get that removed or corrected?

- MLA

Dear MLA,

Your credit report may list any address associated with an account with which you are associated. This means that if you are a joint account holder or an authorized user on an account and the bills are sent to someone else's address, that address could appear on your report as well. Additionally, your report may list any address where you have received mail, such as a P.O. Box or work address, even if you never lived there.

Addresses do not have an effect on your creditworthiness or your credit scores. If there is an address on your credit report that you are unfamiliar with, contact Experian following the instructions on your credit report to request more information and determine which creditor reported the address. If the address is associated with one of your accounts, you can then contact that creditor to obtain more information and to have them correct the address they have for you in their records.

You may also request that the address be removed from your credit report by disputing it with Experian. You can dispute by mail, telephone, or via the Internet. As long as the address is not associated with any of your accounts, Experian can remove it at your request.

Thanks for asking.
The "Ask Experian" team

The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.

Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through April 2022 at AnnualCreditReport.