Chris Callero, CEO, Experian Americas
475 Anton Blvd.
Costa Mesa, CA 92626
Chris.Callero@experian.com
(714) 830-7000 is answered by a live human being

Dispute credit reports at this address:
P. O. Box 9701
Allen, Texas, 75013

Address to complain above address is not listed on the Experian website:
Attn.: NCAC Complaints,
701 Experian Pkwy.
Allen,Texas 75013.

All three credit reporting agencies recently announced plans to let consumers Beginning October 15th, This is the story of a girl named Corey O'Malley, and a boy named Corey O'Malley, who had their credit reports accidentally merged.

Thanks to a hospital clerk's error, Ms. O'Malley had her credit score down by 300 points thanks to her counterpart's unpaid medical bills.

Read inside how it took her over a year to untangle the reports. Solving the snafu hinged on the letter M, on a single document, in a single database....

A few short years ago I was a naive 21 year old girl named Corey O'Malley. Like dear reader Paul, I had a Capital One credit card with a modest credit limit. I thought nothing of it when my limit was never increased, but when I got declined for a Victoria's Secret card -- I mean, damn -- I decided to see if there was something wrong. I went to freecreditreport.com (hey, the ads say its free!) and tried to order my credit report. Of course, this was my first mistake because freecreditreport.com is just a ploy by Experian (one of the credit reporting agencies) to get you to sign up for their $29.99/month credit monitoring BS. I believe there was a class action suit brought against them recently for their advertising methods. At this point, though, I had never even heard of Experian and didn't realize what I was getting into. So, I filled out their forms, answered their clever little questions about my credit history, and was informed that for security reasons they would send me my credit report in the mail within 4 to 6 weeks. Months came and went and I forgot about it and life went on...

About six months later, I was researching new car insurance when a friend recommended that I take a look at my credit score, since car insurance companies use credit scores to determine how badly they are going to gouge each customer. At this point, I remembered that I had already ordered a credit report, but never heard anything back from Experian. So, I gave them a call. After waiting for about an hour, I spoke to someone (presumably in Bangalore) who informed me that they could mail a second copy of the report to my address on fil