Victim of Identity Theft?

Question

I applied for a car loan and was told MY information was INACCURATE according to the information on my credit report. The dealer gave me the internet address to get a free copy of my report and again, the site would not let me see the report, it stated that the information I provided was INACCURATE. I know I didn't lie and I have never had a loan so after I receive the copy of my credit report through the old fashioned mail route, how do I get the INACCURATE information off. I was told by friends that once it is on there there is nothing that can be done. BTW I did a people search on myself and found someone nearby using my name (with 11 other aliases) What's the next step and how do I resolve my credit report?

Police department says I need proof so I am back to waiting for a copy of my report through the mail.

Answer 1

if you are a victim of identity theft do this Asap

Place a fraud alert on your credit reports, and review your credit reports.

Fraud alerts can help prevent an identity thief from opening any more accounts in your name. Contact the toll-free fraud number of any of the three consumer reporting companies below to place a fraud alert on your credit report. You only need to contact one of the three companies to place an alert. The company you call is required to contact the other two, which will place an alert on their versions of your report, too. If you do not receive a confirmation from a company, you should contact that company directly to place a fraud alert.

Equifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374-0241

Experian: 1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9532, Allen, TX 75013

TransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790

Answer 2

The first step is to file a police report. You are a victim of a crime. You can call the police non-emergency line or visit your local police station to file the report. Next, get a copy of your credit report and have a fraud alert put on your account. You have the right to contest any inaccurate information on your credit report. Go to the Federal Trade Commision website and follow the links for identity theft information. Unfortunately it should take six months to a year to clear the situation up. If anyone is using your drivers license and/or social security card number you need to contact both agencies.

Answer 3

police report comes first. you'll need the copy of the identity theft complaint for the credit reporting agencies.

remember to ask the police for advice .. it might have changed, or be different in your state/province.

next, i'd call all three credit reporting agencies. you'll probably get the same 'inaccurate' response, AND what you want is the address to which you can mail the police report to begin the identity theft process.

GL

Answer 4

First, call any mortgage co., or visit your local bank and ask if you can get your credit report, even if you have to pay for it. Check what is the problem, and report the problem to police department ASAP. Then call all the company's who report the balances, you will find phone #, on the last page. Call all the credit reports co, and tell them, or write to them, to put your credit on a fraud investigation. Then ask question again and we will tell you what to do next. Good Luck!

Answer 5

Get a copy of your credit report from all three credit bureaus. Since there's conflicting info, you should mail a copy of your social security card and driver's license along with your request.

When you get the reports, dispute everything that isn't yours. It could very well be a matter of someone with a similar name has merged with your report, particularly if it's only one bureau. The credit bureaus should respond to your dispute within 45 days.

Answer 6

kill them....it is much easier to show that the person on your credit report is dead...and you can prove your alive..a copy of the assholllles death certificate will be needed. I suggest a good ax beating...good luck

Answer 7

1. become a watermelon
2. do something about it