Name Not Correct in Credit Report
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My credit report shows my name followed by Sr.; ie, Frugal Pete Sr. The Sr. designation is incorrect. Transunion states that to write to them I need to provide full name (including if Sr.!), SSN, addresses for last 2 years, DOB, government ID, and copy of utility bill/bank statement etc. Can I easily remove that Sr, and can I just notify one credit agency?
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@frugalpete You will likely have to review and contact all the credit reporting agencies, as they don’t communicate past fraud alerts, and use different data sets.
Note that this is a minor error that could have been done to prevent your file from being confused with Frugal Pete Jr. All the need is a name and an address, and both Frugal Petes could get the same tradeline reported.
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When I first started checking my credit reports I found a lot of biographical garbage, including an alias that was actually what my wife usually goes by (she’s foreign, like many such people she usually goes by an American name that’s similar to her real name.) I pointed out what had to have happened (car shopping back before they needed permission to run your credit. They must have run hers based on the name she gave (she doesn’t drive, she didn’t give them any ID.) That would have no-hit but 3 of the 5 letters match my name, I got my wife as an alias.) No proof was needed.
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My wife has had an alias (different last name than mine or her maiden name) on two of her reports for 15 years. I’ve tried multiple ways to have it removed, no success, so I just stopped worrying about it.
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I’m surprised TU has been so difficult. I’ve removed alternate name spellings with EX, EQ, and TU, all without issue. They’ve never requested further documentation…
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@aigo said in Name Not Correct in Credit Report:
I’m surprised TU has been so difficult. I’ve removed alternate name spellings with EX, EQ, and TU, all without issue. They’ve never requested further documentation…
Did you call or mail?
And a clarification, there is no frugalpete jr.
I’ve been wondering if this Sr. designation is used to file a false tax return with my SSN, whether the IRS will catch it as fake.
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@frugalpete said in Name Not Correct in Credit Report:
@aigo said in Name Not Correct in Credit Report:
I’m surprised TU has been so difficult. I’ve removed alternate name spellings with EX, EQ, and TU, all without issue. They’ve never requested further documentation…
Did you call or mail?
And a clarification, there is no frugalpete jr.
I’ve been wondering if this Sr. designation is used to file a false tax return with my SSN, whether the IRS will catch it as fake.
My contests were all verbal phone calls.
