There is a mortgage and three credit cards on my

[Deleted]

Credit report which aren't mine. Where do I even start? And what do I do to stop my ssn from being used again?

[WOT?*]

Contact the credit reporting agency/agencies and notify them of the error. Put a freeze on your credit at all the reporting agencies so if anyone tries to use your SSN again it will not be approved. The downside is that when you apply for credit, you will have to unfreeze your SSN with the credit reporting agencies first; there is a fee to freeze and one to release. If you can find out the contact info for the credit cards (it may be on the credit reports), call them and let them know of the fraud so they can close/disable the accounts.

[dr.girlfriend]

Check your other reports, and then contact the credit agency. It may not be fraud, just a confusion. My sisters' and my credit reports got merged somehow, and all her credit cards showed upon my report for awhile.

[honeybee]

Yeah my fiance and his father's credit reports were merged at one point. It was a relatively easy fix.

[Deleted]

What a nightmare! I have no advice but I just wanted to say I'm sorry this happened to you. I hope it is something simple to fix and not a case of identity theft. Let us know how things turn out!

[thatgirl2478]

Yeah - it happened to my brother & dad - they have the same initials but different names. My brother has a gas card on his credit report from before he was born...

[blackcat]

DH had this happen with his brother. His brother also has an April birthday, the same initials, AND the same exact social security number except DH's last two digits are like, 12, and his brother's are 21. I cannot even begin to describe how hard it was to get everything straightened out. When brother in law (he lives in Raleigh) tried to call and sign up for Dish Network, which we have, they told him "you already have an account in Charlotte." Uhhh, wut? DH would send the correction forms over and over again and two credit agencies finally got everything straightened out but I think Experian was the one who just never could get it right. Ugh.

[hski2349]

I put a freeze on my credit and there was no charge. And then I created a password/code anytime I wanted to apply for something. There was no charge for me.

[froggy76]

Call all the companies to speak to their fraud departments. Pull all your credit reports and then at least put a fraud alert on all of them- that will make it harder for someone to use your SSN to get new credit.

[stingsharkruns]

DH's credit was somehow merged w/ an 80y/o lady from Oklahoma. She had about 10 credit cards, some of which were opened before he was even born, and three mortgages.. It was crazy.

We had to call the credit agency which showed the errors and dispute every single account. They had to investigate and one by one everything was dropped off.

It took about 30 days.

[ginger]

Trans Union made it really easy to report an incorrect account on my Credit Report.

I would file the complaint with them because my experience was so good. I filed the dispute one day, and it was resolved with the items removed the very next day.

[aurora]

I seem to recall there is a fee difference between a freeze and a fraud alert and that one is free, but it's been a long time so I don't remember the details. Anyway, the good news for you is once you alert them (in writing) to the problems, it is supposedly on them to prove that the report is correct; if they can't prove, they have to correct it. The bad news is that unfortunately it can take a long time to get it all straightened out - sometimes months. Good luck!