Why does my CR have fraud alert on it?

[jetscarbie 83]

I'm cleaning up DH credit and everything is fine.

I decide to check mine and I noticed a bill in there that was on my BK from 12 years ago. I disputed online with all credit bureaus. Today I pull up my credit at TrueCredit and I have to call a number. Did all the verfication and stuff.

Finally got my report. IN big letters it say bascially Experian has issue a fraud alert on my account. It is wrote in cosumer statments. I did not write that or ask for that.

What does this mean? DO they do this for disputes?

[jetscarbie 83]

Well, I found out that my credit has a couple of different #SS on there. Mine and 2 others I haven't ever seen. *Experian* didn't notice until I filed some disputes....yeah right.

My credit score dropped over 175 points overnight and nothing changed except the fraud alert. I can't even pull up my credit anywhere except TrueCredit anymore. They have completely froze me out of online disputing and checking account. I even tried to buy a new report and it was denied me.

[buckeyechick1219 10]

If you dispute stuff as "Not Mine" it often results in a Fraud Alert. When I disputed Asset accounts, I got notice in the mail that a fraud alert had been placed on my credit report by myself or "somebody acting on my behalf."

[MO Learning 10]

I understand this happens when the CRAs "mix" files. Turned into identity theft for me, though, when another person with same name had access to my SSN, it was more than she could resist!

I still have not been able to get EX to separate these files...and believe that others have tried too!

I have been searching for suits of this nature...but the attorney fees are impossible for the normal worker-bee!

Good Luck to you!!

[mmoore78 10]

I understand this happens when the CRAs "mix" files. Turned into identity theft for me, though, when another person with same name had access to my SSN, it was more than she could resist!

I still have not been able to get EX to separate these files...and believe that others have tried too!

I have been searching for suits of this nature...but the attorney fees are impossible for the normal worker-bee!

Good Luck to you!!

Have you checked with other attorney's who will take on cases to sue the creditors and credit bureaus? You don't pay them unless they win. They would take a % of whatever was won in the suit.

If your attorney can dig up more people in this situation, you could start a class action suit and make even more money.

[mmoore78 10]

Well, I found out that my credit has a couple of different #SS on there. Mine and 2 others I haven't ever seen. *Experian* didn't notice until I filed some disputes....yeah right.

My credit score dropped over 175 points overnight and nothing changed except the fraud alert. I can't even pull up my credit anywhere except TrueCredit anymore. They have completely froze me out of online disputing and checking account. I even tried to buy a new report and it was denied me.

Send another letter to ALL 3 CB's verifying it is you with a copy of a bill with current address and also a copy of your driver license AND SS Card. Request them to take the freeze off your report but keep the fraud alert on. Also request that your ss# gets corrected AND your current address updated. (They put it on because of suspected ID Theft - 2 different ss #).

Then, you also need to submit a copy of the bankruptcy discharge notice WITH a copy of the schedule of accounts that were included in the bankruptcy to take the account still on there that was reported in the BK.

I would also request a copy of your report at that time and look at the SS #'s reporting, the different addresses reporting, and the names reporting. If there is an address listed where you have NOT ever lived, you might be a victim of ID Theft. If this is the case, file a police report, get a copy of it and fill out FTC form.

Start watching your account. With the Fraud Alert on, they would have to verify that it is you applying for credit.

[MO Learning 10]

mmoore78 wrote: Have you checked with other attorney's who will take on cases to sue the creditors and credit bureaus? You don't pay them unless they win. They would take a % of whatever was won in the suit.

I have not done a huge search other than websites. I had to hire an attorney to keep from having wages garnished from a judgment that wasn't mine...so it was "right now" decision.

mmoore78 wrote: If your attorney can dig up more people in this situation, you could start a class action suit and make even more money.

I believe that she is trying...since there is another affected by this - but I think it takes a lot of "joiners" to be class action. Since its Midland, though, it shouldn't be hard! 7,100 Midland cases come up in Case.Net as being in -- or have been in -- MO Courts.

Originally Posted by jetscarbie

:'> Well, I found out that my credit has a couple of different #SS on there. Mine and 2 others I haven't ever seen. *Experian* didn't notice until I filed some disputes....yeah right.

I have 2 SSNs in addition to mine and asked Experian to clean up my CR in November 2006. Still, the SSNs are there and 3 pages of addresses...I just keep writing and they just keep leaving it "as is" -- nothing even says disputed. Since I work between 50-70 hours per week I figure they ask for the blood-type of my first born or something that I failed to include in my dispute!! Although it seems blatantly obvious to me that there is a "mix" of files here, they can't seem to see it. Now another of the "mix" has applied for credit using the other 2 SSNs (including mine).

Keep on them to fix this before you are victim of ID theft too!

[mmoore78 10]

I would keep trying with a stronger letter stating they are supposed to investigate this matter and need to clear it up or you will be taking legal action.