Trouble obtaining credit report.

[Anonymous]

Hello:

My wife and I purchased a home 2 years ago.  When the loan officer reviewed our credit scores he said there was a problem with hers and recommended we use just mine.  So we purchased the house on my credit and started trying to figure out what went wrong with her credit report.  We signed up for an electronic credit report (all 3 agencies) through our bank.  But when we filled out the paperwork the service turned her down because it said the information she gave them did not match her SS#.  So she contacted the agencies in question.  Transunion made her send copies of her SS card.  Then they said our address didn't match their files so we had to send copies of our utility bills etc....  In 2 years they still haven't sent us a copy of her credit report.  None of the agencies agree that she is who she says she is.  We have pre paid legal and tried to sick the attorneys on them.  The attorneys (albeit they probably are paralegals at that) haven't had any news for us in over a year.  We have contacted our bank and financial advisor.  No luck.  Does anyone have a good idea on another step we might be able to take to order a copy of her credit report?  

Oh, by the way Equifax has been charging us $16.99/month for a report that we cannot receive.  They keep autodeducting from our checking account (which we requested) but they will  not provide a report.  WE have tried to cancel the service to no avail.  So I highly DON'T recommend those idiots as a credit report tracking service.

[RobertEG]

There are obviously differences in personal identifiers in her credit file that differ from those that are now correct. 

In that position, I would put together a detailed list of both current and prior personal identifiers. 

They apparently want/need both verification that she is the same party as the old identifiers, so current identifiers may not be adequate.

I would get the listing notarized as proof of identity, and send to the CRAs.

If match with identifiers in her file can be made with the prior information, that might do the trick.

[crunching_numbers]

I have no experience with these types of problems, but I can share what i would do if it was me. I would pick one of the three bureaus.  I would call them again. I would start by trying to request a copy of my credit report again. When they tried to deny me because information did not "match" their records, I would tell them that I must be a victim of identity theft then, since I am clearly myself, and ask how a victim goes about proving they are who they say they are.  You might need a supervisor, or the supervisor's supervisor. Somebody will be able to look at that report and verify some of the information you are providing. You are either a victim of identity theft or a report riddled with errors. it is possible that someone with a similar name has their information merged onto your reports.

[Anonymous]

Thank you for the thoughts.  I'll try to remember to post a follow up whatever happens.