Factor Trust has me doing a dispute.
Some Fool in North Carolina, 2017, tried to take out a "Payday" loan in my name with a NC address. My scores were probably low 500's or high 400's at that time, hahahaha!!!!!
I don't have any tl's, work, nothing personal listed nor is my address listed on the report.
However I did see that Synchrony did 3 "Account Reviews" on me in March and April 2019. Listed as "Transunion/Synchrony Finance" I would guess those reviews were for WalmartMC, Lowe's Advantage, and QVC.
I guessed at one of the verification questions and was able to get through. It was an incomplete address, just my former work P.O Box ### (no numbers, city or state) and the other options were for addresses in SC and NC. I live in GA, always have.
Couldm't find me which I find strange as oldest account is over 27 years old and tons of TL's whether CC's, car, house, etc.... Granted I have a Freeze on TU report, but never stopped me from getting my normal TU report. Wonder why I wouldn't have a FT file or just a bug.. Who knows and I suppose I dont care as long as TU has my info and the other 2 cra's
I did think their questions were different from the usual - asking me who on a list of people owned property in Fredericksburg for example. My brother closed on a house there two weeks ago. They already know this...
I don’t think I like them very much. That’s pretty invasive.
It asked me who on a list of peole owned property in Texas (I'm in NC, but I have relatives in TX)... I didn't recognize any names on the list, however, my files have been tangled up with a lot of other people I don't know (thanks, fraud) for a while. Luckily, I still got in.
I, likewise, do not like them very much.
Has my name/social/DOB and that's it.
No addresses, licenses, employers, trades, public records, promo inq, etc. No security freeze either (I have a fraud alert on TU, so I guess they don't 'share' info with their own subsidiary).
It does have an 'Account Review' from SyncFinance, the day after I was approved for a retail card.
Nothing on file.
Sync pulled twice on 2/11, GS pulled 8/7 and 8/8.
I didn’t apply for any accounts with Sync on 2/11 so I guess they pulled for both Amazon and PayPal at that time.
Also interesting — 8/7 was a day before I got my invite to apply for the Apple Card, 8/8 was the day I applied.