@longtimelurker wrote:I had a lot of trouble logging in to my mobile accounts when I used a new phone. I have had a previous address on my CRs that wasn't mine, managed to get it removed but it comes back from time to time. So two banks kept presenting me with questions from the CRs for verification "Which of these was your street address in Qunicy" and when I said "none of the above" that was clearly the wrong answer and it presented a lot more questions (including that again) until I finally got enough right in a row.
So I guess I better learn the details of the wrong address for next time!
Yeah, I learned that the hard way, too...
I used to live on a street called Heather Lane. About half the time, when given an address verification question, in the list will be "999 Heather Ridge". My house on Heather Lane was in a corner of town referred to as Heather Ridge on the legal paperwork, but the development was signed and known as something completely different.
The first few times I assumed the "999 Heather Ridge" was a trick, and I would select 'none of the above', and like you, would get more detailed questions, usually the amount of a car payment for a car I had back in the 90s (yep, really...). I finally learned to just go with "Heather Ridge" and the problems for the most part went away.
I've had various amounts of luck getting the addresses cleaned up from my reports. There are addresses on a couple of them that I've never lived at (or even received mail at) but they are so far down the list of all the various spellings of the places I have lived I've just grown to ignore them. Sometimes when I'm really bored I might give it another go... 
@UncleB wrote:
@longtimelurker wrote:I had a lot of trouble logging in to my mobile accounts when I used a new phone. I have had a previous address on my CRs that wasn't mine, managed to get it removed but it comes back from time to time. So two banks kept presenting me with questions from the CRs for verification "Which of these was your street address in Qunicy" and when I said "none of the above" that was clearly the wrong answer and it presented a lot more questions (including that again) until I finally got enough right in a row.
So I guess I better learn the details of the wrong address for next time!
Yeah, I learned that the hard way, too...
I used to live on a street called Heather Lane. About half the time, when given an address verification question, in the list will be "999 Heather Ridge". My house on Heather Lane was in a corner of town referred to as Heather Ridge on the legal paperwork, but the development was signed and known as something completely different.
The first few times I assumed the "999 Heather Ridge" was a trick, and I would select 'none of the above', and like you, would get more detailed questions, usually the amount of a car payment for a car I had back in the 90s (yep, really...). I finally learned to just go with "Heather Ridge" and the problems for the most part went away.
I've had various amounts of luck getting the addresses cleaned up from my reports. There are addresses on a couple of them that I've never lived at (or even received mail at) but they are so far down the list of all the various spellings of the places I have lived I've just grown to ignore them. Sometimes when I'm really bored I might give it another go...
Nice. My case is a little different since I never lived in that town at all, so none of the addresses are the least bit recognizable. Hey, wonder if it where longtime_lurker lived!
I hate when they pull from Public Records. Somehow there are two men I don't know, nor are relatives, that verification departments ask me about. They only thing me and these two men have in common are our last names?! ...yet they ask me their birthdays and city of residence????! Luckily only Bloomingdales does this whenever I have asked for a CLI. So I have just resigned myself to NEVER GETTING A CLI from Bloomingsales! 
@toi34 wrote:I hate when they pull from Public Records. Somehow there are two men I don't know, nor are relatives, that verification departments ask me about. They only thing me and these two men have in common are our last names?! ...yet they ask me their birthdays and city of residence????! Luckily only Bloomingdales does this whenever I have asked for a CLI. So I have just resigned myself to NEVER GETTING A CLI from Bloomingsales!
Is there any way to remove innacurate info from public records, or will only removing them from CRs do? Because that sounds like a pain in the butt for something that isn't even your fault.
@Anonymous wrote:
@toi34 wrote:I hate when they pull from Public Records. Somehow there are two men I don't know, nor are relatives, that verification departments ask me about. They only thing me and these two men have in common are our last names?! ...yet they ask me their birthdays and city of residence????! Luckily only Bloomingdales does this whenever I have asked for a CLI. So I have just resigned myself to NEVER GETTING A CLI from Bloomingsales!
Is there any way to remove innacurate info from public records, or will only removing them from CRs do? Because that sounds like a pain in the butt for something that isn't even your fault.
The credit bureaus and CCC's use Innovis and Ardis the majority of the time for extra info on them. You can get copies, especially of your report from Innovis. They have a number of different files on you and packages they sell with your information so be sure to ask for all reports. I think there's one they don't have to give you but the rest you can get. You can try to correct info and you can also also freeze your reports. Their are sites you can google where they have input from people that have gone through all of this.
The major thing that is objectionable about these companies are that they are, in a sense, another type of credit bureau and a reporting company all in one, yet they don't have to operate under the same guidelines nor can you use the same methods to dispute. But Cap One for instance is a big puller of Innovis' info on applicants as are many others. And if you can deal with the hassle of it all it can be quite eye opening to see how much information they have collected about you and distribute.