I received my credit reports from myfico.com
I found some inconsistencies in the report from Experian. I thought it would be simple to be able to provide my documentation supporting my claims but found that Experian only allows you to file a dispute online. They do not post a physical address where you can send a registered letter with your documentation. Under FCRA law I am allowed to receive my credit report yearly for free. Experian doesn't seem to want you to do this, as per their own website: "Experian believes that we can best assist consumers who have received a current copy of their personal credit reports directly from us. Only Experian can provide a full disclosure of all of the information you are entitled to see under the Fair Credit Reporting Act. In addition, when you obtain a report directly from us, we provide a notice of your rights under the FCRA."
So in other words, if you do not purchase a credit report from them directly, you cannot get their address. I think this is violation of the FCRA and possibly consumer laws of the state of Texas. If you research physical address on the internet for Experian see what you come up with, look at all the addresses that are PO boxes for Experian and all the messages that their letters were returned because the PO box was closed by Experian and no forwarding address was given.
I want Experian to post their physical address on their website and make it easier for consumers to send in supporting documentation. I have complained to the FTC and the BBB and now at this website. I will continue to voice my compliant with every consumer watchdog group until this matter is rectified.
New Port Richey, Florida