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In April two collection accounts appeared on my CR's. Both were for loans taken out from local lenders in the subprime market. We're talking 2-3K each. Never heard of either of them prior. I have no credit checks on my report from either company (who loans money without credit check?) nor did account history for these loans ever appear prior to collection. Not getting far with CRA's as poor them can only report what collection agencies provide.
Most concerning is I now have 3 "alternative" social security numbers listed in addition to my own. I am surprised that isn't a red flag for the CRA's...or the FBI or ICE or someone as FRAUD. I have used this word to emphasize my concerns but for the CRA's it's a big yawn.
So anybody can report a bad account on your report and and the onus is on you to spend a whole lot of time correcting an intuitive error.
Somebody using 4 social security numbers and having them listed on a CR is not a typo, unless data entry missed 27 times. Does anyone know who might give a hoot that folks potentially have active multiple SS#'s?
I would start by addressing this with the CFPB and see if they can get the bureaus to wake up.
I am assuming you have hard copies of all your credit reports showing the multiple SSN. If not, get them.
Dispute the errors and include a copy/photo of your SSN with your disputes.
Pull your LexisNexis full consumer report and confirm it is accurate and is only reporting your own correct SSN, as sometimes they screw this up and associate multiple SSN with your file. If there are errors there dispute that as well.
If anyone gives you a hard time over it file a CFPB complaint.