Wicked Stepmother Trashing my Good Name
The financial problems of someone who shared my name and former address are showing up on my credit report! How do I even begin to go about disputing this, should the credit agency’s investigation not go in my favor? My father, who I am on shakey terms with, remarried a couple of years ago, to a woman who shares my first name and middle initial. So now we share a first name, middle initial, and last name. They’ve since divorced, but in the time that she was there and occupying my old address, she’s managed to rack up a loan, a credit card, and a bunch of medical bills that Transunion seems to think are mine, and hasn’t paid off a one of them. They’ve gone to collections. My Equifax and Experian reports are correct and show only good accounts (two credit cards without balances, a consolidated student loan, a private student loan–I’ve tried to take care of my credit).
I’ve disputed these accounts through Transunion and am waiting for them to investigate. In the meantime, though, what can I do to prepare for dealing with this? Since I gave Transunion my current address, I’m worried that her collectors are going to start hassling me. I don’t know if this is a mistake on Transunion’s part, or if this woman is opening lines of credit with my SSN–she’s not exactly of high moral character.
My question is, how do I go about proving I’m not her, when we share a name and past address? Would all of these accounts have required a SSN number to open, and is there any way I can find out if she has used hers or mine? If she didn’t open them with my number, the dispute should clear that up, but what actions do I take if she has been opening accounts with my information?
Original text: Wicked Stepmother Trashing my Good Name
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