Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Potential identity theft AND cannot verify identities at Equifax and Experian
Old 09-11-2021, 09:46 PM   #1
Recycles dryer sheets
 
Join Date: Mar 2021
Posts: 88
Potential identity theft AND cannot verify identities at Equifax and Experian

I must be going through a really bad time.

At the outset, as someone whose identity was compromised before, my credit files had been frozen / locked. However, I was always able to retrieve my credit reports online.

Last week, I had an experience where I suspected my identity has been stolen. And, as if on cue, I am now no longer able to verify my identity online at Equifax or Experian when I request my credit report via annualcreditreport.com

I have a small credit file, only 1 credit card, 1 closed out car loan, and 1 open car loan. I answered all the identity questions correctly, including two to which the answers were NONE OF THE ABOVE. Then I am told that my identity cannot be verified online to send in copies of my personal documents to verify my id.

I read online that the inability to verify id does not necessarily mean that someone has assumed my identity but it does freak me, out.

Help! What should I do next? I don't want to assume anything but the fact that my identity can no longer be verified is troubling. My id verification DOES work with Transunion and I see nothing to be suspicious of but who knows if my file will eventually be compromised or not?

Should I send in my documents to the PO Box in Georgia, c/o Annual Credit Reports?

Please help!
Safire is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 09-11-2021, 09:55 PM   #2
gone traveling
 
Join Date: Oct 2007
Location: Willamette Valley, Oregon
Posts: 1,979
Have you tried contacting Equifax and Experian directly?
RetireeRobert is offline   Reply With Quote
Old 09-11-2021, 10:00 PM   #3
Recycles dryer sheets
 
Join Date: Mar 2021
Posts: 88
Quote:
Originally Posted by RetireeRobert View Post
Have you tried contacting Equifax and Experian directly?
I can't seem to get a HUMAN at either agency! Is there a number I should try calling?

I created a/cs online and my pwd for both don't work anymore. I am just overwhelmed and frustrated
Safire is offline   Reply With Quote
Old 09-11-2021, 10:14 PM   #4
gone traveling
 
Join Date: Oct 2007
Location: Willamette Valley, Oregon
Posts: 1,979
Sometimes credit card companies give assist with identity fraud as a feature of their card. Maybe you can check with your credit card issuer if they do such. If so, explain your troubles to them and maybe they will assist you to get some answers?
RetireeRobert is offline   Reply With Quote
Old 09-11-2021, 10:53 PM   #5
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Sunset's Avatar
 
Join Date: Jul 2014
Location: Spending the Kids Inheritance and living in Chicago
Posts: 12,098
Use TransAmerica, it works better than some.

Equifax is really EquiFool, In my opinion their solution after being hacked was to make it super hard to do stuff online by making it not work.
__________________
Fortune favors the prepared mind. ... Louis Pasteur
Sunset is online now   Reply With Quote
Old 09-12-2021, 04:59 AM   #6
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
donheff's Avatar
 
Join Date: Feb 2006
Location: Washington, DC
Posts: 10,469
These outfits ask questions that are impossible to answer. Specific dollar amounts of paid off loans from years ago. Goofy stuff no one would remember. They set up mandatory pins that worked fine and then abandoned those for passwords but wouldn't let you sign up for the password with your pin. Nooo, gotta go through the questionnaire. And, when you want a loan, you can't just unfreeze one account, you have to unfreeze all of them.
__________________
Every man is, or hopes to be, an Idler. -- Samuel Johnson
donheff is offline   Reply With Quote
Old 09-12-2021, 11:31 AM   #7
Recycles dryer sheets
 
Join Date: Mar 2021
Posts: 88
What should I do, aside from reporting to the local LE agency that my identity may have been compromised? I am really worried!
Safire is offline   Reply With Quote
Old 09-12-2021, 11:42 AM   #8
Full time employment: Posting here.
RetiredHappy's Avatar
 
Join Date: Jun 2021
Posts: 514
Quote:
Originally Posted by Safire View Post
What should I do, aside from reporting to the local LE agency that my identity may have been compromised? I am really worried!
You need to get hold of Experian and Equifax first. You don't have enough data to support a report to law enforcement.
RetiredHappy is online now   Reply With Quote
Old 09-12-2021, 11:46 AM   #9
Full time employment: Posting here.
RetiredHappy's Avatar
 
Join Date: Jun 2021
Posts: 514
Try this number for Equifax:
Phone
800-525-6285

Hours

M-F 9am-9pm EST

Sat-Sun 9am-6pm EST
RetiredHappy is online now   Reply With Quote
Old 09-12-2021, 11:48 AM   #10
Full time employment: Posting here.
RetiredHappy's Avatar
 
Join Date: Jun 2021
Posts: 514
Experian is closed on the weekend:
Customer support
1 800 831 5614

Monday - Friday from 7 a.m. to 7 p.m.
Phone hours are Central Time Zone
RetiredHappy is online now   Reply With Quote
Old 09-12-2021, 12:12 PM   #11
Recycles dryer sheets
 
Join Date: Mar 2021
Posts: 88
Quote:
Originally Posted by RetiredHappy View Post
You need to get hold of Experian and Equifax first. You don't have enough data to support a report to law enforcement.
That's true BUT I was informed that I was a victim of info theft.

My question is when / how should I proceed once I find out my ID is indeed being used by someone else? Should I keep doing weekly monitoring of my credit report? This is going to a REAL PITA if I can no longer request it online! Help!
Safire is offline   Reply With Quote
Old 09-12-2021, 12:21 PM   #12
Full time employment: Posting here.
RetiredHappy's Avatar
 
Join Date: Jun 2021
Posts: 514
Quote:
Originally Posted by Safire View Post
That's true BUT I was informed that I was a victim of info theft.

My question is when / how should I proceed once I find out my ID is indeed being used by someone else? Should I keep doing weekly monitoring of my credit report? This is going to a REAL PITA if I can no longer request it online! Help!
Who informed you?
RetiredHappy is online now   Reply With Quote
Old 09-12-2021, 12:22 PM   #13
Recycles dryer sheets
 
Join Date: Mar 2021
Posts: 88
Quote:
Originally Posted by RetiredHappy View Post
Who informed you?
The person who was responsible for keeping my information safe. There was a break-in and paperwork was stolen, among them a document containing my ENTIRE life history.
Safire is offline   Reply With Quote
Old 09-12-2021, 12:22 PM   #14
Recycles dryer sheets
 
Join Date: Oct 2015
Location: Bozeman
Posts: 149
In addition to the suggestions above, I'd also suggest creating an account on creditkarma.com. It's free. They get updates from Experian and Equifax at least once a week, so you can see if there are new accounts under your name quickly and easily.

The screenshot below is part of what I see after I login. Going to "View details" in the Total Accounts section will show each credit card with its balance, limit, and payment history.
Attached Images
File Type: jpg creditkarma.jpg (112.6 KB, 65 views)
l8_apex is offline   Reply With Quote
Old 09-12-2021, 12:23 PM   #15
Recycles dryer sheets
 
Join Date: Mar 2021
Posts: 88
Quote:
Originally Posted by l8_apex View Post
In addition to the suggestions above, I'd also suggest creating an account on creditkarma.com. It's free. They get updates from Experian and Equifax at least once a week, so you can see if there are new accounts under your name quickly and easily.
Dumb and paranoid question but prefer to ask anyway. Is CreditKarma safe?
Safire is offline   Reply With Quote
Old 09-12-2021, 12:27 PM   #16
Full time employment: Posting here.
RetiredHappy's Avatar
 
Join Date: Jun 2021
Posts: 514
Quote:
Originally Posted by Safire View Post
The person who was responsible for keeping my information safe. There was a break-in and paperwork was stolen, among them a document containing my ENTIRE life history.
So this is alot more serious than what we have understood from your first post when you mentioned "potential theft". The fact that there was a break-in and paperwork was stolen, was a police report filed? If not, why not? This needs to go to law enforcement for sure.
RetiredHappy is online now   Reply With Quote
Old 09-12-2021, 12:31 PM   #17
Recycles dryer sheets
 
Join Date: Oct 2015
Location: Bozeman
Posts: 149
Quote:
Originally Posted by Safire View Post
Dumb and paranoid question but prefer to ask anyway. Is CreditKarma safe?
Seems fine to me, I've been using it for years. But the more you know about "safe" and any online business, the more concern you'll have. Just think of how many companies have been 'hacked'.
l8_apex is offline   Reply With Quote
Old 09-12-2021, 03:26 PM   #18
Moderator
sengsational's Avatar
 
Join Date: Oct 2010
Posts: 8,549
You can always fill-out a form, scan& print a utility bill, SS Card, etc (just follow the instructions), and mail to the place that annualcreditreport.com specifies. you will get a hard copy of your credit report from the big 3. This technique has always worked for me when the online stuff hasn't.
sengsational is offline   Reply With Quote
Old 09-12-2021, 03:31 PM   #19
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
ivinsfan's Avatar
 
Join Date: Feb 2007
Posts: 7,841
Quote:
Originally Posted by Safire View Post
The person who was responsible for keeping my information safe. There was a break-in and paperwork was stolen, among them a document containing my ENTIRE life history.

Huh? This sounds like something out of a spy novel....
ivinsfan is online now   Reply With Quote
Old 09-12-2021, 03:52 PM   #20
gone traveling
 
Join Date: Oct 2007
Location: Willamette Valley, Oregon
Posts: 1,979
Quote:
Originally Posted by Safire View Post
The person who was responsible for keeping my information safe. There was a break-in and paperwork was stolen, among them a document containing my ENTIRE life history.
"What" person with "what" organization?
RetireeRobert is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Someone Made a Fake Equifax Site. Then Equifax Linked to It.--NY Times tuckeverlasting FIRE and Money 9 09-21-2017 01:44 PM
We had CC and tax return identity theft Rianne FIRE and Money 2 09-18-2017 01:05 PM
IRS and Identity Theft; Lifelock etc marko Other topics 21 02-06-2017 04:07 PM
Identity Theft at eBay and PayPal SamHouston FIRE and Money 70 09-08-2007 02:03 PM
Identity Theft haha Other topics 10 11-20-2003 11:38 AM

» Quick Links

 
All times are GMT -6. The time now is 10:12 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.