topic Re: State-specific Fraud Alert in General Credit Topics

State-specific Fraud Alert

Anonymous — Sat, 12 Jan 2019 18:43:33 GMT

I got a notification from myFICO that a 'A state-specific fraud alert has been detected in your TransUnion data.' Anyone have a clue as to what this is? TransUnion is closed today and I haven't placed any fraud alerts. A freeze yes, fraud alert no.

Re: State-specific Fraud Alert

Anonymous — Thu, 21 Feb 2019 18:37:39 GMT

I just received the same notification as well. I called TransUnion and they said there is no fraud alert on my credit report and couldn't tell me what state specific fraud alert even was. This is an issue. Does anyone else have an answer to this?

Re: State-specific Fraud Alert

RobertEG — Thu, 21 Feb 2019 21:29:51 GMT

The federal FCRA provides for fraud alerts under secion 605A.

Many states have their own versions of the federal FCRA that are often duplicative or more restrictive than the provisions of the federal FCRA.

It appears that some provision of your state code provides for fraud alerts that are similar to provisions of the federal FCRA, and that state provision has been provided to the CRA.

Re: State-specific Fraud Alert

Anonymous — Thu, 21 Feb 2019 21:50:08 GMT

Thank you for the explanation on what it is. I'm a little concerned as TransUnion said there is no fraud alert filed. Could this be an error from myFico ?

Re: State-specific Fraud Alert

GApeachy — Thu, 04 Apr 2019 16:24:55 GMT

Same thing here...did you ever find out what it was?

Re: State-specific Fraud Alert

Anonymous — Thu, 04 Apr 2019 17:02:50 GMT

I haven't heard anything more on it. I called again, but they have no idea what I'm talking about. It's frustrating.

Re: State-specific Fraud Alert

GApeachy — Thu, 04 Apr 2019 18:04:50 GMT

@Anonymous wrote:
I haven't heard anything more on it. I called again, but they have no idea what I'm talking about. It's frustrating.

Yep, same thing here....no alerts, no lock (although I did just lock it) idk, just MyFico indicating this alert. Okay, good to know this is probably a glitch.