Credit report dispute nightmare -- same name as parent

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Credit report dispute nightmare -- same name as parent

Postby kcm7 » Thu Jun 26, 2014 2:59 pm

Sharing this partly to vent, partly to see if anyone else has been in a similar situation -- or just had a credit report error nightmare.

Friend of mine was telling me that every time he pulls his credit reports, there are errors, due to him having the same name as his dad (and, until recently, the same address). A lot of his dad's stuff is on his reports, including some really damaging stuff. He'll dispute, but, a lot of the times, the bureaus will come back and say that the information is valid and won't be removed. It's not valid. So he has to follow up. Eventually the info gets removed. But, two months later it's back. Some of it appears to be the same accounts (perhaps because they got sold to different collectors?), and some of it's new.

Reason it's so frustrating is that he's trying to get his first credit card (because I've managed to convince him having a credit history is important), but, every time he applies (even for a secured card), he gets rejected because of the awful stuff on his report. He disputes, and by the time he gets everything cleaned up and is ready to apply ... it all comes back.

Anyone have advice (I know it's a pretty rare situation)? Or have any credit bureau stories of their own? My friend has had it up to here with them and their shoddy reporting and apparent inability to differentiate him from someone with a different SSN! :mad:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)

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Postby djrez4 » Thu Jun 26, 2014 4:06 pm

Tell him to change his name.
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Postby attrapereves » Fri Jun 27, 2014 12:33 am

This is why I wish we could change the credit reporting system in the US. Our social security numbers shouldn't at all be related to credit reporting. Instead, maybe have a PIN that's associated with the credit bureaus.

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Postby MemberSince99 » Fri Jun 27, 2014 5:49 am

I'd settle for them changing the system so that everyone and anyone can just put whatever the hell they feel like in there about you goes away. And make it so that those who can, can actually have to pay a price if they put BS in there. Under the current system they have very little fear of shall we say "inaccuracies". If you managed to put BS in the credit report of some business I guarantee you they would not appreciate that, but the little guy, ah screw him, deal with it. As much as I generally hate government regulation, I think in the case of the credit bureaus some accountability would be a great thing for the consumer. Business interests would not care for that, but then again it's not them who suffer when some dirtbag puts a collection on your report that's meant for someone else, or worse maliciously re-ages a collection from 25 years ago (which is illegal already but it's happened to me and the government doesn't do anything to those who do it).

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