State tax lien mystery

[intheknow]

My credit reports are showing a tax lien recorded in 2003. I called the county clerk's office to inquire. They confirmed the record by my name and SS, but the address was an address I have never lived at, in another city that I have never lived in (Miami, FL).

A clue: The address the court showed was an address that has popped up on my ChoicePoint file and also my credit file, under a Hispanic name, not even close to my name, but my SS. I am not Hispanic.

Does this sound like ID theft? I don't see why someone would steal my file for credit reasons; it has not been a high FICO, but I am committed now to bring it up.

I am having the clerk's office mail the file to me.

Do I have an opportunity to get this removed from my file due to the wrong address, yet it is my name and SS?

I know I am new to the game here, but I learn quick and I can't wait to help others down the road. I appreciate anyone's input or experiences.

[admin]

Yes it does. And exactly the same thing happened to me. Someone used my SSN and address and a tax lien was filed against me in the State of Missouri. It was a real pain, but I got the tax office in Missouri to write a letter saying the lien wasn't mine.

[BTO429]

I am still fighting with EX to delete old tax liens that were reported in error and recalled by my state tax office.

Good luck. It can be done just have to be persistent

[valorman]

Well I was bit lucky to remove tax liens from mine and my wife's credit file .What I have learned is some agents or brokers provide this public records to experian/transunion.and equifax.they are from different places and visit courts often and collect data.

I disputed it with credit bureaus and court clerks with no luck.Credit Bureaus don't send their disputes to courts they send it to their agents to verify the information,and court clerks also don't send or verify any info to credit bureaus we got stuck here.Unless they give you some letter(very rare)

what I did was I disputed it with credit bureaus as corporate account.It took me 4 months with no luck and then disputing it as corporate account they take it out with in 10 days.

GOOD LUCK

[intheknow]

"what I did was I disputed it with credit bureaus as corporate account.It took me 4 months with no luck and then disputing it as corporate account they take it out with in 10 days."

GOOD LUCK[/QUOTE ]

Thanks for the input, valorman. I will play dumb here and ask what is a corporate account as it pertains to credit reports? And what steps did you take to go that route? Congrats on your successful removal.

In my case; I called the the state tax revenue department. They confirmed that my name and SS were associated with the tax lien, BUT the amount they quoted the lien for was in the $600 range, while the item being reported is for around $2000. The state also was showing the address in Miami, FL (where I have never lived).

My strategy is to first dispute the address with the Big 3 CRAs, and also Choicepoint. After getting the address deleted, I will dispute the state tax lien on the grounds of wrong amount and also "never lived at that address".

Does this sound like the way to go, or am I missing steps? Thanks again for all of your input.

[valorman]

In my case; I called the the state tax revenue department. They confirmed that my name and SS were associated with the tax lien, BUT the amount they quoted the lien for was in the $600 range, while the item being reported is for around $2000. The state also was showing the address in Miami, FL (where I have never lived).

My strategy is to first dispute the address with the Big 3 CRAs, and also Choicepoint. After getting the address deleted, I will dispute the state tax lien on the grounds of wrong amount and also "never lived at that address".

Does this sound like the way to go, or am I missing steps? Thanks again for all of your input.

Well I am a newbie too but what I think in your case is if the tax lien is not paid or vacated and its on your name and some one else used your ss# and name then you have to go through the courts.You should file an affidavit and claim as a id theft (there is no charge for it).It will take some court time but then once you have the tax lien vacated and you have the paper. Credit bureaus etc will delete it immediately.As a proof the address from your driving licence or telephone bill or any other utility bill during that period of time when tax lien was submitted should be enough.

or

you can write an affidavit attach a utility bill and go to any lawyer nearest you and ask him to just write a letter on his letterhead that this tax lien is not yours some one else used your ss# and name but you live at this address all the time. he might charge you some for the letter but that can work.

address it to the credit bureau legal department.

THE difference is because IRS claimed for $2000 but they were settled for $600 judgement was granted for $600.Credit bureaus will only show the actual amount $2000 they don't show the IRS settlement amount and that's normal.Even its paid less they will still show $2000 and paid