Experian Credit Report Company Address
2010
Experian Credit Report Personal Info: Why show two names?
I recieved my Experian Credit Report today. Under Personal Info it shows two names
Names
(My name)
Name Idenitication number: XXXX
(Someone’s else name but not mine)
Name Idenitication number: XXXX
Addresses:
(My address)
(someone else’s address)
(my address again)
—————————————————————————-
What does this mean? Why does it show another name?
Btw, this credit company shows I have a credit card account jointed I NEVER opened. It was opened when I was 15.
Please read my other question regarding Possible Idenity Theft Credit card
Many people fail to realize that the CRA’s are “extremely” sloppy and error prone in how they do business. They will take information that is similar to a square peg and jam it into a round hole and force it to fit.
(they do it so often it is almost like they take pride in how many errors they can make)
(sorry, mini CRA rant over now)
I have to agree with bdancer in both of your questions.
An ID thief steals ID’s to gain as much credit as they can, then to run the credit up to the hilt, and beyond if they can, and as fast as they can.
They don’t steal ID’s, in general, to apply for only one single card, to use that one card sparingly (over several years) and they usually don’t make payments on cards they received from theft.
The card was also closed “in good standing” due to inactivity.
You might order your other two credit reports to see if it is reporting on those as well.
I agree with bdancer that it does sound like a credit bureau mistake. Do like bdancer said and dispute the erroneous personal information and the Chevron account.
I wouldn’t recommend telling them you feel it is because of fraud or ID theft, since it truly does not look that way from what you posted. If you do claim ID theft/fraud in your dispute then they will probably throw a fraud alert on your files and the other CRA’s will follow.
Having that happen if it were truly ID theft isn’t a bad idea. But if it’s the CRA’s mistake you would have the unneeded hassle of the fraud alert to deal with everytime you decide to apply for credit.
You might simply dispute the errors as just that. Tell them that you have no knowledge or record of that name, address and account and that you believe Experian was in error by placing that name, address and account on your credit report. That you request removal of the name, address and account. That if the name, address and account is verified and remains, you are requesting that they provide you with the name and address of the verifying party.
Send your request in writing.
If it’s verified, send a letter to Chevron and explain pretty much the same thing. That you feel they are reporting erroneously on your credit reports and that you are requesting proof that your name is tied to that account.
Monitoring a New Company with Credit Guardian
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