There are 3 people in my family with the same name but different SS# having problems with credit HELP US?

Question

Me, my sister, and my aunt have the same name but we have different SS#'s my sister middle name is different but the initial on middle name is the same my aunt and my name are exactly the same. Our credits are showing each others stuff. How can this be fixed? I am desperate, PLEASE HELP ME>

Answer 1

This happens quite often to people with similar names. It happens "almost" all of the time with fathers and sons who are JR's and SR's.

Mike is incorrect on thinking it is ID theft - it's only a case of the CRA's living up to their 89% error rate.

You should sit down with your sister and your aunt and go over each account to see which one belongs to which person.

Each of you should dispute with the CRA's. Each person should include a copy of their drivers licenses and a copy of a utililty bill that is in their name with "their own" dispute.

Write down the wrong accounts, and account numbers, and say that those accounts belong to the sister or the aunt. Then request that your reports are corrected and that they remove the accounts that don't belong to you.

Then request that they pay attention to each SSN when adding information to your files so these mistakes do not happen again.

Answer 2

The credit bureaus are just confused - this happens alot even when you don't have 2 people with almost the same name as you.

I'd suggest going to annualcreditreport.com, where you can go into all three credit bureaus and view you credit report for free (can only do this once per year so only free if you haven't done this for a year). Carefully check out your credit report at each bureau and you have an opportuinty to dispute anything that is incorrect. Once you put in the dispute (be sure you explain that this info is correct, not is not for you - rather its for a relative) the credit bureau will re-check the info and move it to wherever it needs to go. You probably should tell your sister/ aunt to do the same thing assuming they are having the same problems.

Best luck.

Answer 3

You will have to notify each credit reporting agency by phone and by letter. Ask that this information be entered into your file, or if can it be.
You must check your credit history on a regular basis and always dispute any that is not yours. Do it until you get results.
Apparently they don't check, date of birth, year of birth or even the SS# This has also happened to a son, father and daughter with the same names, different spellings and one has a different middle name completely.

Answer 4

This will be an ongoing problem due to the incompetence of the people making request at the credit verification companies.

My last name is spelled 5 different ways, I have several listings of my first name with my wives maiden name, both correct and misspelled and my address is listed several times with different (mis)spellings.

All you can you is get your annual FREE credit reports and dispute the information on your credit report (can be done online) . I would not explain anything about your sister or aunt. Just have everybody dispute their own reports. The first year it will likely be a lot of work, the next year will be easier.

Answer 5

It happens all the time. You have to copy all YOUR I.D. (SS card, drivers license, etc) and dispute the other info IN WRITING to all three credit bureaus, and follow up on it that they DO actually correct your file.

I had a similar problem 20 years ago, when my husbands FIRST wife defaulted on a furniture loan in Ohio. I was 6 years old when SHE defaulted...but our married names are similar. I have never even been to Ohio! I TRIED to use logic with Rhodes furniture and explain it couldn't possibly be ME (as in who gives a 6 year old $1500 in store credit?) but the manager said sorry it's on YOUR credit report. Took me 18 months to get all of it wiped out.

Answer 6

Start using different addresses, notify the repositories (Transunion, Equifax, Experian) of the name similarities (each party) your still going to have a problem and it will take some time but you can start by changing and seperating your files by using different addresses. It is a good Idea for all 3 parties to notify the repositories as well.

Answer 7

in case you have a criminal paper that states your call has replaced, you *could desire to* be ok. regardless of the undeniable fact that, i does no longer decide to take of challenge on some thing this significant. actual, i think of, US government could be the least of your situation. in case you have a central authority issued paper that asserts why your call is now diverse, they're reviewing their very own paper (variety of talk) to make certain the counsel. yet, the foreign places government is below no criminal accountability to take something different than the passport into issues. they could deny enterance based on the actuality your passport does not bear your new authentic call. the only thank you to verify is to touch the State branch and the embassey of the respective united states and get their formal opinion in writing and carry that with you, too.

Answer 8

Who stole who's identity?

That cant just happen with unique SSN's unless someone tried to steal someone's identity.

Anyway, write to the credit bureau's and dispute the bad data, tell them the accounts are not your's. etc.

Answer 9

Write to each credit reporting agency (there are 3 of them) and get this all straightened out.

Answer 10

Faxing a copy of your birth certificate, a copy of your social security card and enlarged copy of picture ID to whatever company you're having problems with will fix that problem. No matter what your names are, your birthdates aren't going to match along with your social security numbers. This is alot more common than you'd imagine and simple to fix.