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Can Individual Taxpayer ID Number Be Used on Credit Report

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?

– LPQ

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

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