Transunion High Risk Messages

[Anonymous]

My husband is new to the country, and received his ssn in 09. We've been having one issue after another with all 3 credit agencies. A couple days ago we applied for a morgage loan, but his report for transunion cmae up with the following fraud alert messages. I need to know what to do to get these removed. It looks like they're just some miscommunication issues but I'm not sure.

TU1

Trans alert***surname input does not match file TU (I think this might be because on his ssn there is no _ between last names, but lender put one>?)

high risk fraud alert: (1504) input address current address is a multi-unit building reported misused and requires further investigation unit/apartment B4 (TU) (I have no idea what this is abot, or what the "b4" stands for)

high risk fraud alert (5504) input ssn issued: 2009-2010 state wa (est age obtained 29 to 31) TU (he did receive is ssn in 09, and he is 31. So what? How is that fraud? it was issued legally through the ss agency).

If anyone knows what to do about these, and how to fix them I'd be really greatful. I stressing out over this. TU wouldn't even report a score because of it.

Also I noticed expn is reporting an incorrect birthdate. How do I fix that? Should I post a seperate message for this part?

~EF

[llecs]

Welcome to the forums!

The first thing I would do is pull all three reports directly from each credit reporting agency. I would start by pulling the free ones via annualcreditreport.com. He may be blocked if there is an identity issue, but start at the free ones. If you are successfully on any of the three, then  you'll have your full report and then you can look at it and especially look in the demographics section to see if there are any incorrect names, addresses, etc. If any or all of the three block your report, then start by contacting TransUnion directly. I would start by pulling directly from transunion.com and if prevented due to ID, then call and ask what he needs to send in to get his report. They'll likely ask for a copy of the social security card, a state-issued ID like a driver's license, and sometimes they'll ask for a copy of a utility bill which would help establish residency. If you talk to a person on the phone while confirming this issue, mention that you suspect identity theft and they'll give you a free report. If asked to mail in a request, state that in a letter too. By law, they have to give you a free copy once a year and a free copy if you suspect ID theft (could be evidenced by their reaction to your CR request via the lender). While on the phone with them, try to get the fraud alert off. Maybe you won't need to mail anything in.

BTW, your address and other info appears not because of what you say it is, but is based on what your creditors say it is. Even if you get your DH to fix it, an existing creditor might change it back. I'd contact whomever is reporting on his TU report and verify the address and the name.

"Fraud alert" doesn't mean they suspect you for fraud. It's a protective measure to make sure your report isn't being used illegally. It gets locked down so nobody can access it fraudulantly. I was a victim of ID theft twice this past year and the fraud alert came in very handy.

For Experian, same is going on. One or more of the creditors listed on his CR is reporting an incorrect birthdate, likely at the time he applied for credit with that creditor. It can be fixed as a dispute and contact Experian directly to see what is needed.

[Anonymous]

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@llecs wrote:

Welcome to the forums!

The first thing I would do is pull all three reports directly from each credit reporting agency. I would start by pulling the free ones via annualcreditreport.com. He may be blocked if there is an identity issue, but start at the free ones. If you are successfully on any of the three, then  you'll have your full report and then you can look at it and especially look in the demographics section to see if there are any incorrect names, addresses, etc. If any or all of the three block your report, then start by contacting TransUnion directly. I would start by pulling directly from transunion.com and if prevented due to ID, then call and ask what he needs to send in to get his report. They'll likely ask for a copy of the social security card, a state-issued ID like a driver's license, and sometimes they'll ask for a copy of a utility bill which would help establish residency. If you talk to a person on the phone while confirming this issue, mention that you suspect identity theft and they'll give you a free report. If asked to mail in a request, state that in a letter too. By law, they have to give you a free copy once a year and a free copy if you suspect ID theft (could be evidenced by their reaction to your CR request via the lender). While on the phone with them, try to get the fraud alert off. Maybe you won't need to mail anything in.

BTW, your address and other info appears not because of what you say it is, but is based on what your creditors say it is. Even if you get your DH to fix it, an existing creditor might change it back. I'd contact whomever is reporting on his TU report and verify the address and the name.

"Fraud alert" doesn't mean they suspect you for fraud. It's a protective measure to make sure your report isn't being used illegally. It gets locked down so nobody can access it fraudulantly. I was a victim of ID theft twice this past year and the fraud alert came in very handy.

For Experian, same is going on. One or more of the creditors listed on his CR is reporting an incorrect birthdate, likely at the time he applied for credit with that creditor. It can be fixed as a dispute and contact Experian directly to see what is needed.

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Is what OP describes an actual consumer fraud alert or just an internal statement / warning designed to call attention to potential creditors that Tu has noted some irregularities that may warrant further investigation?

I wonder if those same messages will appear on a report given to a consumer or will they only appear on a report given to a lender.

YMMV, but IMO #1 and #3 are not really worth worrying about.  I think a lender would be more worried about #2 and that could have been caused by entering an incorrectly formatted address (which lenders usually do) or else other people living in your apartment building have had shaddy practices.

[AndySoCal]

Here is a lttile help with the fraud alerts

surname input does not match file TU  - Your idea why this is showing may be right get a copy of TU credit report and check the name(s) and have it corrected as needed

input address current address is a multi-unit building reported misused and requires further investigation unit/apartment B4  - B4 is unit number where the problem was reported.  When the lender pulled your credit report was your apartment or unit number included? If not this is probably why the alert is showing.

input ssn issued: 2009-2010 state wa (est age obtained 29 to 31) TU  - In this case it is not an issue and the lender will realize this.