Equifax and Identity Issues

[0REDSOX7]

Okay all,

Here is a random question.

I had to file Ch. 7 BK back in October and have been getting all of the adverse action letters in the mail saying my accounts were closed, etc.

Everyone one of them offered a free credit report as a result. Over the past few weeks, I've pulled about 10 or so adverse action credit reports with Experian and Equifax to ensure the file is updated properly. Probably too many in a short amount of time, but I have letters supporting each request.

Last Thursday, I noticed that my attorney's address was on my experian credit report. I disputed it (come to find out Honda Financial was the culprit), but ever since that day, I cannot access any credit reports. Experian says to call, but can't do anything and Equifax says they cannot identify me and need to send a copy of my drivers license and social security card.

Should I send this? Is this because I disputed a public record item. Granted my credit is jacked because of the pending bankruptcy, but I don't want to send this info via regular mail where someone could hack it.

Thoughts?

Calling these places that useless.

[Rikku]

The same thing happened to me - I was locked out of my EQ report and they asked me to fax in a copy of my DL is prove my identity. I did so as requested, and it all worked out just fine. Most likely, the lock out has nothing to do with your dispute and was the result of you answering one of those 'prove your identity' questions incorrectly. That's what happened to me, anyway. They asked me for the balance on a student loan that I might or might not have had at some point...well, I have actually had a number of student loans - some still open and some closed - so I had to guess and I guessed wrong and got locked out. These things happen - just fax them your info and you should be good.

[krial]

You could be unlucky like me, and have to mail in all that stuff every single time you want to look at your credit report. For some reason those places hate me and try their hardest to make my life miserable.

[0REDSOX7]

Yeah - I would love to know what triggered it though, I guess.

Do they usually comply when you send it in?  How long does it take usually?

[Rikku]

I received mine within a week.