Re:I Got Access to My Secret Consumer Score
by tzs on Monday November 04, 2019 @03:30PM
(#21446136)
> I could say so much more about the complaints process, terrible customer service in every conceivable way from Equifax specifically, and more, but it would be rather off-topic.
The only thing definitely wrong on mine is it lists an address that I've never lived at (and there is actually a decent reason for this mistake [1]). I looked at getting it fixed, but it looked like that would be a bit of a hassle, so I haven't bothered. I just have to remember if some site does one of those "which of these 5 address did you once live at?" kinds of test as part of identity verification, I need to pick that wrong address if it shows up.
[1]. (Names and addresses made up) A single women, Ms. Johnson, owned and lived in a house at 567 Fake Street. At some point, Ms. Johnson married Mr. Brown, and they lived together at 567 Fake Street as Mr. and Mrs. Brown. At some point another Mr. Brown, no relation to the Browns at 567 Fake Street, bought and moved into 527 Fake Street.
The Browns at 567 decided to move, and submitted a change of address form to the USPS. Someone processing that at the post office noticed that 567 was listed in their records as belonging to Ms. Johnson, but that there was a Brown at 527, and apparently concluded that it was probably the Brown at 527 who was moving and that he had just botched the address on the form, and so they processed this as a change of address for 527 Brown. Credit reporting agencies get change of address data, so they picked it up too.
The only thing definitely wrong on mine is it lists an address that I've never lived at (and there is actually a decent reason for this mistake [1]). I looked at getting it fixed, but it looked like that would be a bit of a hassle, so I haven't bothered. I just have to remember if some site does one of those "which of these 5 address did you once live at?" kinds of test as part of identity verification, I need to pick that wrong address if it shows up.
[1]. (Names and addresses made up) A single women, Ms. Johnson, owned and lived in a house at 567 Fake Street. At some point, Ms. Johnson married Mr. Brown, and they lived together at 567 Fake Street as Mr. and Mrs. Brown. At some point another Mr. Brown, no relation to the Browns at 567 Fake Street, bought and moved into 527 Fake Street.
The Browns at 567 decided to move, and submitted a change of address form to the USPS. Someone processing that at the post office noticed that 567 was listed in their records as belonging to Ms. Johnson, but that there was a Brown at 527, and apparently concluded that it was probably the Brown at 527 who was moving and that he had just botched the address on the form, and so they processed this as a change of address for 527 Brown. Credit reporting agencies get change of address data, so they picked it up too.