Please Help! Fraudulent Tax Lien Just Appeared on EQ

[Credit_hawk]

Hey Dave,

Well I was off today so I got a lot done. I went up to the county courthouse and got a copy of the tax lien. Surprise suprise, it is in my fathers social and address! I filed an online dispute and uploaded a scanned copy of the tax lien with his info contrasted with my license and social as well as a PDF dispute letter that I wrote explaining that they went ahead and besmirched my impeccable credit off the incomplete and inaccurate information LexisNexis provided to them without verifying it. I also disputed two former addresses that aren't mine which include my fathers address that the lien was at. One address with my grandfathers and one was my dad's. I've never lived at this address or gotten mail there. So I sent 10 years of drivers licenses to prove I've never been registered there as a residence in the last 10 years as well as ever. The only thing I share with my dad is my name!! Over time they started associating their with my file and I just left it because I don't like disputing and I thought it was harmless. 

Anyway, in the letter that I included in the dispute I was very "business terse" with them and "demanded they remove their erroneous lien within 45 days or I will file a complaint with the CFPB and other agencies pursuant to the FCRA as well as further recourse if necessary."

They're totally in the wrong here. The lien is related to my dads 2009 income tax filing. Therefore, it has all his information-address, DOB, SSN. They just decided it wasn't worth their time vetting the lien's information before deciding to ruin someone's credit and slapping it on there. Think of the audaciousness of a company that has been sued and fined so many times for his very thing--erroneously putting liens on innocent people's files; they're still at it!! Can you believe it?! Even after saying they would no longer deal in unverified liens.

This is the hill I'm dying on. I had a lot of little things happen lately where I was completely victimized by no fault of my own. This was the straw that broke the camels back. I'm seeing it through to the end...

Edit: PS, I also sent for my LexisNexis file today certified mail. When that comes in I'm going to have a dispute field day with those sc*mbags.

[DaveInAZ]

Give 'em hell, Harry!

[Anonymous]

Sorry to hear about this OP,

Dave, per my understanding the IRS can only go after the executor of the estate for the taxes still owed if they have already divvied up the estate proceed's to heirs. I believe the only person responsible and susceptible to a "transfered tax lien" would be the executor as they have the duty to follow the law and give the IRS first claim to proceed's before any heir's.

[Credit_hawk]

Hey guys, small update. I contacted LexisNexis who Equifax boldy lists as their only source for "Public Records" on every credit report they issue and LexisNexis said they had no record of any judgement, lien or bankruptcy on my file. They are sending me the file anyway by mail so I can see what's in it.

It's pretty clear at this point that their computer system just messed up at 3am Sunday morning and put it on my record. Naturally, it WILL be coming off it's just a matter of time now. I'd love to hear where they got this from if not LexisNexis. We'll never hear it though. 

It's really unnerving to just have to fax and mail your total life's identity to these companies and the unsavory people they employ to fix this stuff. Who are tending to these fax machines and these mailrooms where you have to send copies of your licenses and social security cards. It's like if you didn't have your identity stolen before you will after.

[Credit_hawk]

Hey guys. Wanted to provide an update for the record. I checked my Equifax report today--exactly one week since the lien was placed on my account and it's been removed. It's been 6 days since I disputed it. I haven't gotten the dispute update back yet but it's off my Equifax reports as of today.

[UncleB]

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@Credit_hawk wrote:

Hey guys. Wanted to provide an update for the record. I checked my Equifax report today--exactly one week since the lien was placed on my account and it's been removed. It's been 6 days since I disputed it. I haven't gotten the dispute update back yet but it's off my Equifax reports as of today.

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I'm glad to hear things have been resolved! 

As someone who is a 'Jr' I feel your pain... I've dealt with the issue you just cleared up numerous times over the years, although thankfully the last few years it has been better. 

The very first credit card I applied for in 1992 was declined due to collections on my (then) brand-new credit file, and a few years later I had problems again when I went to finance a car for the first time - in that case the collection was from 1987 (I was in middle school) but it didn't matter, it was there.  I got the car, but my rate was higher.  Over the years I got accustomed to repeatedly dealing with this. 

I've always said that if I had children I would never dream of saddling them the same name as myself or another family member, but of course that is a discussion for another day (and another thread).

[Credit_hawk]

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@UncleB wrote:

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@Credit_hawk wrote:

Hey guys. Wanted to provide an update for the record. I checked my Equifax report today--exactly one week since the lien was placed on my account and it's been removed. It's been 6 days since I disputed it. I haven't gotten the dispute update back yet but it's off my Equifax reports as of today.

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I'm glad to hear things have been resolved! 

As someone who is a 'Jr' I feel your pain... I've dealt with the issue you just cleared up numerous times over the years, although thankfully the last few years it has been better. 

The very first credit card I applied for in 1992 was declined due to collections on my (then) brand-new credit file, and a few years later I had problems again when I went to finance a car for the first time - in that case the collection was from 1987 (I was in middle school) but it didn't matter, it was there.  I got the car, but my rate was higher.  Over the years I got accustomed to repeatedly dealing with this. 

I've always said that if I had children I would never dream of saddling them the same name as myself or another family member, but of course that is a discussion for another day (and another thread).

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Thanks, Uncle B! Oh man you speak the truth! When you share the same exact name with a relative, especially when you're the III or IV it is a nightmare when things get crossed. It's so infuriating that these credit bureaus aren't very thorough sometimes. Some are better than others. Is it that much to ask to have them verify the social and birthdate? Geez! 

I agree with you on the name. I always say the lineage stops with me. Haha I'm not going to name my child the same name. I'm not George Foreman, haha.