Social Security number variations not necessarily result of fraud

Dear Experian,

I was told by the bank that Experian was reporting the incorrect Social Security number. How do I verify the information that Experian has on file for me?

-          TTM

Dear TTM,

Experian lists all of the Social Security number variations that are reported to us by your creditors as belonging to you. If someone reports a number that is different than your correct number, we list it on your report under “Social Security number variations.”

Experian does so to provide you with a complete record of the identifying information reported to us. While it is not unusual to have variations, Social Security numbers, names or other identifying information that you don’t recognize could indicate you are a fraud victim. The variations are often mistakenly referred to as errors, when in fact they are not. Rather, they are an accurate listing of the information that is being reported, so that if you need to correct that information with your lender you will be alerted to do so.

If you haven’t already, request a copy of your Experian credit report so that you can see what variations, if any, are being reported. If you do see a variation, it is most likely the result of a typographical error made when the lender entered the information into their system.

If you contact Experian, a representative can help you determine which lender reported the incorrect number. You can then contact that lender to have them correct their records. If the variation is not associated with any of your accounts, we can delete it from the report. If it indicates fraud, Experian will assist you in taking actions to protect your credit history.

Thanks for asking.

- The “Ask Experian” team

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