Consumer fraud alert on credit report

Date: Fri, 05/12/2006 - 10:17

Submitted by anonymous
on Fri, 05/12/2006 - 10:17

Posts: 202330 Credits: [Donate]

Total Replies: 3

I recently disputed some information and now I have been notified that I have a consumer fraud alert on all my credit reports. This was not initiated by me and I called Equifax since I couldn't reach Experian and was told that because I disputed information, it issued a fraud alert on all reports which could affect my chance of obtaining credit or credit increases. Has anyone gone through this before or is it common practice now to issue fraud alerts after disouting information? Thoroughly confused.

mshwartz12 Fraud alerts are activated only after you ask the

mshwartz12

Fraud alerts are activated only after you ask the fraud department of the credit bureaus to flag your file. It must not happen if you are disputing any item. Their must have been an error with the credit bureau in your file. Contact the three fraud departments and let them know about this situation. They will correct the info in your file.

Credit Bureau Fraud Departments

TransUnion
Fraud Victim Assistance Department
Phone: 800-680-7289
Fax: 714-447-6034

P.O. Box 6790
Fullerton, CA 92634-6790

Equifax
Consumer Fraud Division
Phone: 800-525-6285 or: 404-885-8000
Fax: 770-375-2821

P.O. Box 740241
Atlanta, GA 30374-0241

Experian
Experian's National Consumer Assistance
Phone: 888-397-3742

P.O. Box 2104
Allen, TX 75013

lrhall41

Submitted by curlycarl on Fri, 05/12/2006 - 10:29

( Posts: 616 | Credits: )

I called equifax since I wasn't able to reach a live person at E

I called equifax since I wasn't able to reach a live person at Experian and they stated that when I disputed an item regarding the lost/stolen card two years ago and the current account reporting the same information it automatically generated a fraud alert. The dispute only occurred a month ago. Can I have them remove the fraud alert by writing to them and does it hurt my credit file or credit increases issued by a creditor?

lrhall41

Submitted by anonymous on Fri, 05/12/2006 - 20:42

( Posts: 202330 | Credits: )

Notify the fraud departments of the credit bureaus at the above

Notify the fraud departments of the credit bureaus at the above mentioned addresses given by Curlycarl and remove the fraud alert from your file. I will monitor the credit file regularly so that no incorrect information is reported in the future.

lrhall41

Submitted by john on Sun, 05/14/2006 - 14:41

( Posts: 1231 | Credits: )