Individual Taxpayer ID number cannot be used in place of Social Security number



Dear Experian,

I’m trying to request a dispute on my credit report, but it asks me for a credit report number. I have tried to request my annual free report but I can’t since I don’t have a Social Security number. I do have an ITIN number but the system won’t accept it. What are my options?



Dear LPQ,

An Individual Taxpayer Identification Number (ITIN) is issued to an individual for taxation purposes only. They are not meant to be used for as identification for obtaining credit. Therefore, our system recognizes ITINs as invalid Social Security numbers.

Because you do not have a Social Security number, you will need to submit your request for a credit report in writing.

Mail your request for a free annual credit report to:

Annual Credit Report Request Service
PO Box 105281
Atlanta, GA  30348-5281

Please include your full name, full address, any past mailing addresses during the last two years, and your date of birth.

Your personal credit report will include a toll-free telephone number, mailing address and web so that you can contact Experian and submit your dispute.

If you have used your ITIN to open credit accounts in the past, you should include this information in your correspondence as well.

Experian does not just match to your Social Security number. All of the identifying information you provide is used to search our database for credit information reported as belonging to you. If there is credit report information in our system linked to the identifying information you provide, you will receive a credit report, even without an SSN.

Thanks for asking.

The “Ask Experian” team

Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.