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Almost in tears - 30 fake addresses, multiple fraudulent accounts

Established Member

Re: Almost in tears - 30 fake addresses, multiple fraudulent accounts

As an said, I know many people are curious how my credit could get this bad without me noticing. I was born overseas and was used to "Cash is king". While I did have a few positive accounts, I just paid them on time and that was it. I never cared to really be proactive, but I can now see the need to build more positive credit.

 

What is the best step here? I don't have any credit cards or the like - just 4 positive tradelines (1 paid in full auto loan for 40k, 2 student loans paid in full, and 1 credit card through work - but only an authorized user).

Message 11 of 37
Regular Contributor

Re: Almost in tears - 30 fake addresses, multiple fraudulent accounts


readreadread wrote:

As an said, I know many people are curious how my credit could get this bad without me noticing. I was born overseas and was used to "Cash is king". While I did have a few positive accounts, I just paid them on time and that was it. I never cared to really be proactive, but I can now see the need to build more positive credit.

 

What is the best step here? I don't have any credit cards or the like - just 4 positive tradelines (1 paid in full auto loan for 40k, 2 student loans paid in full, and 1 credit card through work - but only an authorized user).


The best step is to first clean up all of the fraud that was done.  That means getting all of the accounts and associated negative information off of your credit report. Once that's taken care of I think you'll have a better idea of what you might qualify for.  I wouldn't attempt to open any trade lines for now.  Once you've done all of that at the very least sign up for some sort of credit monitoring and enable the alerts that way you can spot things sooner. There are plenty of free websites and paid services that can help.  If you don't do that then I would at least review your credit reports regularly. 


Message 12 of 37
Established Member

Re: Almost in tears - 30 fake addresses, multiple fraudulent accounts

Yea, no intention of doign anything right now. But definetely need to be more "credit active" and vigilant in the future.

 

Experian - I uploaded the new police report and now have one single point of contact at Experian. She will call me tomorrow once they start "working" on the file - the police report was not visible today.

TU - still same issue, unfortunately. But I am glad to know that they do remove items, just a matter of time.

Message 13 of 37
Established Member

Re: Almost in tears - 30 fake addresses, multiple fraudulent accounts

Update on experian...

There are only 4 negative accounts left on this report; however, the incorrect addresses and inquiries are still listed.The supervisor actually called me back (shocking) and informed me to hold off until next week before working on those items. She just said theres way too many things going on in the report that it may get confusing here.

The supervisor also explained that Experian was able to block most items based off of Equifax block notification but NOT based off of my own police report. Interesting!

That being said, all this makes me optimistic for a clean Experian report on Monday... Considering Equifax had to do two rounds of blocking, one day after another, there is still one day needed for Experian to remove those last (4) items).

I haven't followed up with TU yet, mainly because the the supervisors are indifferent and non-sympathetic.

 

My only concern with Experian is that one account is listed with a different name compared to Equifax/TU. The supervisor said it shouldn't be a problem, as the computer can pick up on dates, account numbers, etc. We'll see on Monday.

Message 14 of 37
Regular Contributor

Re: Almost in tears - 30 fake addresses, multiple fraudulent accounts

Very nice progress! Keep plugging away.  Hopefully no news from TU is good news.  When everything is squared away maybe you should look into adding fraud alerts or security freezes on all of your credit reports.  There are drawbacks to doing  either of those so look at the drawbacks to it.  

 

Also keep in mind that there are two additional lessor known credit reporting agencies. They are Sagestream and ARS (Advanced Resolution Services).  You'll probably want to take a look at those two credit reports too. 


Message 15 of 37
Established Member

Re: Almost in tears - 30 fake addresses, multiple fraudulent accounts

I got my letter from Transunion where they deny the block request:

 

- In accordance with Section 605B of the FCRA, we have determined that your request has either a) been made in error; b) is a misrepresentation of material fact relevent to the request to block and/or c) you have obtained posession of goods, services or money as a result of the transaction issue.

Clearly it isn't any of those things. Additionally, Transunion got the block request from Equifax and have ignored it!

 

So now, its just a matter of CFPB or arbitration. 

Message 16 of 37
Established Member

Re: Almost in tears - 30 fake addresses, multiple fraudulent accounts

Oh boy.

I filed a complaint with CFBP, accidently hit Equifax last week (During all the stress), and then hell freezes over today!

Now - most of the negative items are gone from Equifax, which is good. HOWEVER - Equifax has now moved my file to the Office of Consumer Affairs to ensure "compliance". The rep kept backpedaling when I pushed him and asked why.

I then said I wanted to speak with a fraud specialist, they can't transfer me directly anymore.

Now, I need to wait for a call back.

Crazy.


That being said, theres just one account lef to be removed after pulling my profile today.  I still find it a bit absurd that I now need to wait for a call back, etc. 

Message 17 of 37
Valued Contributor

Re: Almost in tears - 30 fake addresses, multiple fraudulent accounts

Has TU added an extended fraud alert to your profile, or even an initial one?

 

I am so sorry you are having this experience. TU has been so easy for me in removing everything fraudulent or incorrect across the board.


EX08 659 EQ08 660 TU08 695 Starting: mid 300'sGoal: 700
Message 18 of 37
Established Member

Re: Almost in tears - 30 fake addresses, multiple fraudulent accounts

kowkeyorca,


Yes, they have added an extended fraud alert.

I called them just now and just argued . Im hoping CFPB does something here, given the police report.

We'll see.

Message 19 of 37
Established Member

Re: Almost in tears - 30 fake addresses, multiple fraudulent accounts

Da FUQ.

Transunions response to CFBP:

 

Thank you for submitting your complaint on March 13, 2017, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Transunion. Unfortunately, at this time, we are unable to process your disputes, as they are not specific. If there is information appearing on a credit profile that is believed to be inaccurate or incomplete, we must have a specific dispute.

 

 

--------------

 

THIS WAS MY LETTER TO TRANSUNION

 

I sent in a police report to Transunion. Under the FCRA - FCRA 605B(c) sets forth the conditions under which a CRA may decline to accept a request to block information, as follows: FCRA 605B (c) Authority to Decline or Rescind "(1) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that - (A) the information was blocked in error or a block was requested by the consumer in error; (B) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block; or (C) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. (2) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611(a)(5)(B). " Transunion denied my request to block items here, and not for one of the reasons above. In fact, they failed to provide a reason why these items were blocked. Further, EQ approved the block but Transunion denied that request, as well.

 

 

--------

 

WHAT in the heck was that nonsense?
I am now at my wits end in regards to tranusnion.

I have filled out a BBB response. If nothing changes by Wednesday (Considering the other two bureaus are making steadfast progress), I will begin the arbitration process. I did notice that under their arbitration clause it gives an address of:

 

TransUnion Interactive, 100 Cross Street, Suite 202, San Luis Obispo, CA 93401

 

Is this their legal counsel address? Ill send them a formal demand, then wait 60 days to see what happens. Very frustrating TU.

 

 

Message 20 of 37