Does anyone know if the credit report agencies?
Does anyone know if the credit report agencies (Equifax, Experian,
Transunion) are required by law to keep logging information to identify
who makes changes to consumer home address information?
I am asking because I just got off the phone with Equifax, and they are
telling me that they have zero information to tell me who changed my
home street address sometime over the past 6 months even though I have
a California credit freeze on my credit information. This problem only
occurred at Equifax. In fact, Equifax is telling me that they cannot
even tell me when the change occurred. Fortunately, I have a printed
copy of my Equifax report from six months ago, and so I know it
occurred over the past six months.
I am actively asking the California Attorney General for feedback on
this issue to see if any California state laws have been violated, but
if anyone here can shed any additional light on what Equifax told me
that would be appreciated.
What kind of address change are you talking about. You live in
California and now there is a Toledo, Ohio address on your credit
report? Or does it look like someone has simply reported your address
with a typo?
Did Equifax tell you that they can't remove it? If it is inaccurate, I
believe they have to, but you may have to go through the appropriate
process and not just call them.
Putting a fraud alert on your credit report does not lock it. Your
creditors and even certain other parties can still put information into
it.