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Topics addressed on May 31, 2006:
Slight variations in SSN, address probably not fraud related
Is there a logical and non-fraudulent explanation as to why there are two variations of Social Security numbers and a nearly accurate, but incorrect address on my credit report?
There is a logical and non-fraudulent reason for the Social Security number and address variations you describe. Both issues are almost certainly the result of typographical errors.
The most common cause of the variations you describe is simply the result of typing mistakes when the source off the information, such as a lender or other business, enters the account information into its systems.
Digits in the Social Security number or street address, for example 1324 instead of 1234, result in variations of the numbers being listed in your credit report. Experian lists all such variations even though they rarely are the result of fraud.
Knowing about the variations can help you identify the source of the information so that you can get the account information corrected in your creditor’s records and in your credit report. In the worst case, the variations could indicate fraud.
However, there would probably be other clues if you were a victim of fraud. The numbers likely would be substantially or entirely different. There also may be unfamiliar inquiries or account entries you do not recognize, or unknown names listed.
Again, Experian lists all names and name variations associated with your other identifying information because it could indicate fraud, enabling you to take appropriate action.
Because the differences are very small and there is no other information suggesting you could be a fraud victim, the variations probably are not concern for alarm.
Thanks for asking.
- The "Ask Experian" team