I keep getting mail for someone who doesn’t live at my address

By Neil Stone, Social Media Executive

man receives bad news in the post.Post in other people’s names
It’s great to come home and find letters waiting for you on your doorstep but when the letters turn out to be for a previous resident or even someone that has never lived at your address it can be frustrating. If it’s a demand for payment it can also be understandably worrying.

The good news is that as long as you have no financial connection to the individual (such as joint account) then their information will not affect your credit report in anyway.

This is because all credit checks are done by name, and not address, so lenders won’t see or use information relating to the other person when checking your report.

The best thing to do is to return the letter unopened to the sender clearly marked as “not at this address”. The lender should then look for their customer elsewhere.

Sadly we can’t prevent a person from using an address to apply for credit, or stop lenders from contacting their customers at an address, but by regularly returning the post the lender will stop trying to contact them.

I’m getting post for a person who never lived here and the company tell me Experian provided the address.
We do have a service to help companies locate customers that they have lost touch with. So a company may advise you that we have provided your address for their customer.

This service is called Autotrace, we will suggest possible addresses that their customer may be located at. It may be that they are financially linked to someone who has lived there previously, or have had accounts registered at the address in the past.

If the customer has no link to the address then returning the post should ensure that the company stops trying to contact their customer at your address.

The person has the same name as me, but is not me
In rare instances a company may try and contact a customer that shares the same name as you.

The company may have used Experian’s Autotrace service and been provided your address as a potential match. It is then the company’s responsibility to ensure that they have the correct details before trying to contact them.

If you have been contacted about a debt for someone with the same name as yourself then we would be able to investigate how this has happened and break any links to your address for the other person if they have been incorrectly recorded.

Our contact details are available here should you need them.

5 thoughts on “I keep getting mail for someone who doesn’t live at my address

  1. Dave Delve

    i have had two letters for different foreign sounding named people from the HMCR to my address. first was a tax code I sent back not know at this address and days later i get the second from HMCR for another name but this is a tax refund. I will send that back also. but how do i check who could be using my address. i have had a Experian name check on myself and it is all clear. It does not show my wife who lives with me how do i do an address check please.

    1. CreditExpert Stuart

      Hi Dave,

      I understand how having letters for other people to your address might be concerning and that this might affect your Experian Credit Score at this time.

      In terms of mail that’s addressed to other people, the best thing to do is to mark it clearly as “Not Known At This Address” and send the letter back to the lender.

      As for checking your address for other people, this isn’t possible at this time as the Experian Credit Report would only relate to your information and not other people marked at your address.

      The good news to this is that other people’s information therefore wouldn’t affect your chances to obtain credit. Hope this helps you out.

      Kind regards,

  2. G Lewis

    My first cousin who does not visit or phone to talk to my parents directly has without permission used my parents address to receive letter from DWP from since November 2016. I asked her to have the letters sent to her current address. She has not change it. I wrote letters to the local Job Center and the HMP Revenue address which is on the back of the letters to send any future letters to the address she is still living at which is 14th September 2017. She has asked my Sister who lives in rented accomadation to contact my parents to ask why they have not given her a letter from the DVLA containing her driving licence. What advice can you offer my parents?

    1. CreditExpert Neil

      Hi, it can certainly be frustrating to receive post for someone who doesn’t live at your address. Your parents don’t need to worry about your cousin’s information affecting their credit reports though. Credit searches are done by name and not just address so your cousin’s information won’t appear on your parent’s credit reports.
      If you parent’s return any post for you cousin back to the sender clearly marked as not at this address then the companies will stop trying to reach her at your parents address. Kind regards Neil.


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