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alimarian4

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How do I make corrections for incorrect names and addresses listed on my credit report?

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Transunion, Equifax and Experian all have websites that explain how to do that.

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1AlexH

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The problem with that is that the same incorrect information is what they use to determine if you are who you claim to be.  So if their multiple choice questions of a former address contain no address at which you have lived, and you choose #4, none of the above, you get another question.

The next one is based upon a person with the same last name, someone you've never heard of.

None of the above!

And asking whether you have worked at a company, 5 years after you've retired and never heard of that company?

So if they have incorrect information and use it to 'qualify' a person, there is pretty nearly no chance to get that imformation eradicated.

They stack the deck and know that the normal person out here has no chance of getting data repaired.

60 Minutes did a story about a woman who went after one of the agencies, and won!  Even though the courts made that agency pay her 1.75 million dollars, and they did, they never made the changes for which she had sued them.

There simply is no oversight by any governmental agency, to rein in these companies who hold so much of our lives in their hands.

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