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 Posted: Tue May 20, 2008 12:05 pm Subject: MISTAKES ON CREDIT FILE |
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i have received my experian credit report recently and have some wrong info on it. to be specific my son's (he's a "junior") recent debts from another state i have not lived in for 20yrs, addresses, and his social security# are now listed on my acct. isn't this illegal in some way for another persons ss# to be listed on another persons acct by the credit bureaus?
i mean my credit is far from good, but wouldn't this be like accusing me of fraud basically? or like i used his social? and i suppose now if he racks up other debts it will be listed on my acct too since the ss# is associated with my name/acct?
does anyone know how to take care of this specifically...what letters to use, etc?
any advice would be appreciated.
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dude58
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| Posted: Tue May 20, 2008 12:10 pm Subject: |
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Dispute the incorrect items with experian, order your equifax and transunion reports as well as they likely have some incorrect info on them as well.
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smo65d11
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| Posted: Tue May 20, 2008 3:19 pm Subject: |
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I've seen this mistakes on many credit reports for people with the same name (jr and sr). Dispute the information and contact those creditors and explain that they are reporting to the wrong person.
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FYI
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| Posted: Wed May 21, 2008 12:28 am Subject: |
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FYI IS A COLLECTOR IF SHE SAYS DISPUTE
DISPUTE YOUR BOOTIE OFF ABSOLUTELY!!!!
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| Posted: Wed May 21, 2008 11:16 am Subject: mistakes on credit file |
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thanks no requested the two other agency reports at same time and the mistakes are only on experian.
but maybe my question wasn't clear. how can they legally put another persons ss# on another persons acct? can't they see that the person already has their own ss# attached to their name/credit report acct?
aren't ss# used to file things against people with the credit bureaus? or do you even need a ss# to file info on a persons credit report?
hope i made that more clear.
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dude58
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cajunbulldog
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| Posted: Sat May 24, 2008 2:49 am Subject: |
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Hi Dude,
Fair Credit Reporting Act (FCRA) gives you the right to dispute any wrong information in your credit file against the concerned credit bureau. According to you, some wrong information has been inserted in your credit report by Experian.
In such a case you can send a dispute letter to Experian Credit Bureau. After getting your letter, they will verify into the matter and are obligated to revert back to you within 30 days. If the filing is proved to be incorrect then Experian is bound to delete the wrong information in your file.
In addition to this, if it is found that your claim is correct then Experian is obligated to include your explanation of the dispute in your credit file, if you make a formal request.
Regards,
Phoenix
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phoenix
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