2 different credit reports, same SS number

[KiloG]

Some of my credit cards, loans, etc are in my legal name, some are in the english translation of my name.  Same SS obviously used when creating the accouts.  My drivers license, name on W2, SSN all have my legal name.  I have established credit history for decades under both names. about 40/60 ratio.  I need TransUnion, Experian, and Equifax to combine both names under the same SSN, so that if someone pulls my credit with either name, soft or hard inquiry, the credit history for BOTH names comes up regardless what first name is searched.  While the credit scores are 810 vs 808 depending on what name is pulled up, I want it all combined.  Why don't credit card reporting agencies just add any and all names to a profile that has the same SS number?  Who's had this issue and how long did it take to resolve?  I've already sent postal mail to all 3 credit reporting agencies.  Anyone else go through this and how long did it take to resolve?  I'm NOT going to call each and every account and change them all over to my legal name.  This needs to be resolved by the credit reporting agencies.  Not automatically matching up a SS number to a nick name or non legal name resulting in full credit history being shown regardless what name is used is just dumb.  At that point you might as well not even require the SSN.....

We litterally have people in the world who have some credit cards under "Steven" and other credit cards under "Steve", with the same SS number, resulting in 2 different credit reports where not all the cards show up on both when a credit check is run.    

[CorpCrMgr1]

I am one who has CC under "Steve" and "Steven". No, not my real name. My credit reports show both names along with my middle initial and my middle name among other variations. I only have one credit report with each CRA.

The only time I've had an issue is with airline tickets vs. my driver license with airport security.

Somewhere someone added a whole new profile for you. I would recommend changing all of your cards to your legal name.

[KiloG]

So each credit reporting agency added a whole new profile, or does it only take one agency to make the new profile?  Changing everything over is goign to be a PITA, so do you think the credit reporting agencies can get it right on their end and fix it or will it never be a long term fix as some fool just eventually make a new profile for me resulting in all the same issues?

[AJ67]

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@KiloG wrote:

So each credit reporting agency added a whole new profile, or does it only take one agency to make the new profile?  Changing everything over is goign to be a PITA, so do you think the credit reporting agencies can get it right on their end and fix it or will it never be a long term fix as some fool just eventually make a new profile for me resulting in all the same issues?

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Call each credit bureau...they should be able to correct this issue.

[coldfusion]

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@KiloG wrote:

So each credit reporting agency added a whole new profile, or does it only take one agency to make the new profile?  Changing everything over is goign to be a PITA, so do you think the credit reporting agencies can get it right on their end and fix it or will it never be a long term fix as some fool just eventually make a new profile for me resulting in all the same issues?

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This reads like you have what is known as a split file.  This can be fixed but you'll need to file a dispute with each CRA that exhibits the problem individually as while there may be a root cause the initial source of the problem is from something upstream of the CRAs.   Be warned, I know from personal experience that getting it corrected can be an exercise in frustration so you'll need to be persistent.

[KiloG]

Equifax and Experian have resolved the issue.  Such is the result of compitent organizations that have corrective processes that make sense. Clearly TransUnion is behind the curve when it comes to matters such as this.  They are asking me for a bunch of documents which all have my legal name on them.   I clearly explained what the issue was.    What they need to do is pull up my credit report under my legal name, see what cards are on it, note the home address tied to those cards and the SS number.  Then they need to pull up my credit report under my nickname, see what cards are on it, note the home address tied to those cards and the SS number.  It's a matter of connecting the dots, but aparently this is hard for them.  I learned how to connect dots in kindergarden.  Perhaps a 101 refresher is needed for the department which handles personal identification innacuraces on credit reports at Trans Union?