My fiancee and I recently pulled up his 3-in-1 credit report and noticed discrepancies on all bureau but mostly on the Experian Credit Bureau.
We called all agencies listed on the report and they verified that although it was the same name the accounts had different social numbers and mailing addresses.
When I spoke to a representative of one of the listed agencies, he stated that Experian goes first by name, then address and then social security number.
Is that true?
If so, how is that fair to the millions of people that share the same name?
Also I read on your blog that you should write about 4 accts at a time, well we are dealing with about 11!!!! 11 mistakes from Experian, all already confirmed by the collection agencies, which also stated it wasn't rare of Experian to mix identities up.
Also when you state on your blog to send a copy of the credit report, is it the whole 12 pages or just the part in concern (may sound like a silly question but want to do this right), and the credit report shows each item with each credit bureau right next to each other.
If I send a dispute item to Experian, should I covered the report from TransUnion and Equifax about such item, or doesn't really matter? Thank you so much!!!!!
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no
send just the part that shows descrepancies and circle what is wrong
send them 4 at a time anyway.
you can send 3 sets of 4 if you like. one has to dispute with each bureau seperately as no bureau, ask the other, for information
they are independant of each other
Sunday, June 22, 2008
3 in 1 credit report has descrepanicies
Posted by
OskieGuy
at
5:54 PM
1 comments
Labels: duplicate same twice, incorrect addresses on report, real free credit report
Wednesday, April 02, 2008
Bad/Wrong Addresses/Employer Info on all three (3) Credit Bureau Reports
Please, help me straighten out the info in my files? The following applies.Experian,The second address listed as my former address is in fact my sons former address I have never lived there! Experian: My former Employee should be listed as the Department of Defense, as Aim retired Navy, Equifax: Previous Employer, again Dept. Of Defense, U.S.N.; currently employed @ Georgia Dept. of Corrections. Transunion:The second address listed as my former address is again my sons former address.; My previous employer is again, The Dept. of Defense,U.S.N. The third address listed as my previous address is my mothers address I have never lived there!!!!!!!! Thank you for any assistance you may provide,
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use thiscredit dispute formsay you are either getting merged credit filesor a possible fraud in in action included copies of your DL, SS card, utility bill
Saturday, March 22, 2008
I have two erroneous addresses on my credit report.
Two addresses are showing on my credit reports that don't belong there. How do I get these removed? 4444 Lamp Circle, Colorado Springs, CO 809164610 --- I've never lived at this address 4444 N. Powerbuilt Blvd, PMB 137, Colorado Springs, CO 833333 was a UPS box I used for a Business Account; not personal.
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the first one i guess you dispute say never been there
the second i would ask if you ever used it when you applied for credit, rent, checking accounts
someone might have been trying to get credit in your name or maybe a creditor typed in the wrong social, when someone else tried to get credit
i assume their is nothing else crazy on that
you should see some crazy inquires you never tried also if these addresses are less than 3 years old
Posted by
OskieGuy
at
8:06 PM
2
comments
Labels: fraud theft indentity, incorrect addresses on report, remove clean delete