Bill Me Later Hard Inquiry without my permission? How to dispute

[CollegeStudent530]

I just received an e-mail from Credit Karma that Bill Me Late did a hard inquiry yesterday. I did not do this and have never even heard of this company. Please let me know what are the next steps?

I checked my Experian credit report and it doesn't show on there. Please advise. I already used my other two free reports.

[enharu]

Did you try to buy anything and check out using this? If u even clicked on it they could have done an inquiry

[CollegeStudent530]

I found out my brother used it, but used his social security. No. I did not. This happened before where I applied for a credit card and it went under his name. This is ridiculous! I called TransUnion three months ago to stop getting my brother's credit report confused with mines! Apparently, he used it yesterday.

I am calling Transunion on Monday to dispute this transaction. I dont understand how they can get confused with our social security numbers.

[enharu]

Do you guys have very similar names? It can be a problem sometimes for siblings or parents/children who have very similar names.

[CollegeStudent530]

Yes, we have very similar names with the same address. Our first name is only two letters apart. My frustration lies in the fact that TransUnion made a note on my account to make sure the confusion doesn't happen again. Frustrating. I can't do nothing but wait until Monday to dispute it. 

[ccnewcc]

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@enharu wrote:
Do you guys have very similar names? It can be a problem sometimes for siblings or parents/children who have very similar names.

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So why would this even happen, do you think?  I understand debt collectors running the wrong reports due to similar names (and names and addys), but why with SSNs and apps?

I thought SSN's were suppose to be THE identifier.  Why else are we using our SSNs for apps?

Just curious

[CollegeStudent530]

Which... makes it even more frustrating, in my opinion. The TransUnion agent I spoke to a few months ago said this was rare. I had the same response. What's the point of asking for a SSN?

[enharu]

I wish I could explain to you why. It just seems to be a common problem amongst all credit bureaus.

[CollegeStudent530]

UPDATE:

So when I first found out about this, I called Bill Me Later and they sent me a notice that they requested it to be taken off by Experian report.

It was never listed on my Experian report, so I had to call in again to have them remove it from "Transunion." They said they do not check TU, but they sent a request in anyways. Credit Karma reported that the hard inquiry has been removed. Working with these companies was a seamingless process. But.. working with Transunion was a joke. They were very difficult.