If an envelope arrived from PO Box 9701 in Allen, Texas, or that address is printed on a letter you are holding, it came from Experian — one of the three nationwide credit bureaus. Allen, Texas is where Experian’s consumer correspondence is handled, and several of its PO boxes sit in the 75013 ZIP code.
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You did not necessarily do anything to prompt it. Experian holds a file on nearly every adult in the country, and it writes to people about credit reports, disputes, fraud alerts, security freezes and identity monitoring.
The part most people get wrong
PO Box 9701 is not where a dispute should be sent. Experian’s own guidance directs written disputes to a different box:
| Experian dispute address | Experian, P.O. Box 4500, Allen, TX 75013 |
That address appears both in Experian’s published dispute guidance and in federal agency material explaining how to dispute a credit report, which is why we use it here rather than the box printed on whatever arrived in your post. If you are replying to a specific letter that names its own return address, use the one on the letter and keep a copy of it.
Why the letter matters even if it looks like junk
Two kinds of Experian letter are worth opening carefully. The first is the result of a dispute you filed, which starts a clock: once a bureau tells you its investigation is complete, your options narrow and the deadlines in the Fair Credit Reporting Act begin to matter. The second is a notice you did not ask for — a fraud alert confirmation, a security freeze confirmation, or a notice about an address or account you do not recognize. That second kind often means somebody else’s information has been attached to your file, or somebody has used yours.
What to send, if you are disputing
Say precisely what is wrong and why, rather than that the report is generally inaccurate. Name the account, the date and the entry. Attach proof — the paid-in-full letter, the satisfaction of judgment, the identification showing the record belongs to someone else, the docket sheet showing the case was dismissed. Include your full name with any middle initial or suffix, your date of birth, your current address and your addresses for the past two years, because a mismatch on any of those is a common reason a file gets confused in the first place.
Dispute with the company that supplied the information as well as with Experian. Both have obligations under the Fair Credit Reporting Act, and disputing only with the bureau is the most common reason a wrong entry comes back.
Send it by a method that produces a receipt, and keep a copy of everything including the envelope.
How long it takes
Experian generally has 30 days to investigate, extending to 45 if you send additional information while the investigation is running. There is no fee to dispute.
What usually happens
We analyzed every credit reporting complaint filed with the Consumer Financial Protection Bureau in the twelve months to 30 June 2026. Of 5,867,288 complaints, about a third ended with the entry corrected or removed, roughly two thirds ended with an explanation and nothing else, and 947 ended with money changing hands — about one in 6,200. The full breakdown by company, issue and state is here.
That is not an argument against disputing. Most people who dispute properly get the correction they wanted. It is an argument for knowing what the complaints process does and does not do, before relying on it alone.
Frequently asked questions
Is a letter from PO Box 9701, Allen TX a scam?
Allen, Texas is a genuine Experian location and letters do come from there. That does not mean every letter using the address is authentic, and a letter asking you to call an unfamiliar number or send money is worth checking independently. Experian’s consumer line is published on experian.com; use the number you find there rather than one printed in a letter you did not expect.
Why does Experian have several PO boxes in Allen, Texas?
Different boxes handle different correspondence. That is why the box on your envelope may not be the box a dispute should go to, and why the dispute address above is the one to use unless a letter tells you otherwise.
Can I dispute online instead?
Yes, at experian.com/dispute. Posting a dispute has one practical advantage: it creates a dated record of exactly what you sent and what you attached, which matters if the entry is still wrong afterwards.
The same wrong entry is on my other reports. Do I dispute separately?
Yes. The bureaus do not correct each other. If it appears on more than one, dispute with each. TransUnion writes from Chester, Pennsylvania — see PO Box 2000, Chester PA, or our page on suing TransUnion for a credit report error.
What if the account is not mine at all?
Say so in those words, and say whether you believe your file has been mixed with another person’s rather than simply that the account is unfamiliar. Those are investigated differently. Mixed credit files are more common than most people expect.
If the dispute does not fix it
The Fair Credit Reporting Act requires a reasonable investigation, not merely a check that the company that supplied the information still stands by it. Where that duty is not met the Act provides for actual damages, and for statutory and punitive damages where the failure is willful. Claims generally must be brought within two years of discovering the violation.
The Kim Law Firm represents consumers in credit reporting matters under the FCRA. Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts. Get a free case review or call 855-996-6342 — you pay nothing unless we win.