2 Weeks Later: Experian Removes Mystery Accounts from My Credit Report

Finally got thru to Experian (the number for disputes that worked was 1 800 208 9232) and cleared 21 accounts from my credit report that weren’t mine as well as at least a dozen addresses where I never lived. The woman on the phone confirmed that “this happens all the time.” These computers are made by humans, she said. Sounds like you really need some new computers, or an overhaul of your IT staff, I rebutted.

All in all, I was only concerned about this until I realized that the issue didn’t exists on either my TransUnion or Equifax credit reports. If anything, it only felt bizarre to know so much about another’s credit history and status — in this case, a married woman my age with two mortgages and a couple credit cards with nearly 100k in combined balances (among 18 other open accounts).

I had no luck disputing via FreeCreditReport.com as Experian’s site appeared to not be functioning for many days. However, I began the process again thru TransUnion’s TrueCredit.com site.

Keep an eye out on your identity too. The FTC recommends AnnualCreditReport.com