Strange Address on Your Credit Reporting

[nouseforausername]

Has anyone had a random address pop-up on your credit reports as connected to you?

Recently logged into a bank account that provides a third party vendor's credit check service. I notice that there's a new address associated with me with which I've zero connection.

This new address matches my house number and zip code, but is on a different street. (So, I'm at 123 A Street and the address supposedly connected to me via that credit check service is 123 B Street, nearby.)

I've a hunch that a credit card advert was misdelivered to that other address, and someone tried to complete the application fraudulently?! No clue!

Thanks all

[MacGyverIt]

Never have, but out of an abundance of caution I'd highly recommend contacting the third party vendor's credit check service - really the "big three" credit monitoring services just in case.

[nalor511]

I had identity theft and their address on my report. I recommend disputing it and getting it off so that it doesn't bite you later

[reeshau]

A delivery wouldn't show up on your credit report.  Something happened with it.  Report it.

Maybe it's an innocent mistake, and you might waste some minutes on hold.  If it's more serious, then it could cost you much more time, and money.

And, do you have your credit report frozen?  It's free to do, now.  Everyone should do it, like locking the door to your house when you go on vacation.  Yeah, you have to fumble for your keys in the dark when you get back, but nobody wrecked your place while you were gone.

[nouseforausername]

Thanks all -- I already had my credit report frozen a few months ago.

I got off the line with the credit monitoring service. It'll result in a dispute that will hopefully get that address off my credit report.

If anything useful comes out of that process (a good fraud story or just a "this was a harmless error"), I'll make sure to post an update.

(Also -- just fyi -- I don't tradeline, and I've zero connection to the reported address other than a house # and zip code coincidence.)

[tygertygertyger]

I've had random addresses on my credit reports. I have disputed them. At least one credit agency still lists it because the process for disputing online doesn't allow you to dispute addresses. It's a real PITA.

I did have someone use my SSN to open a utility account... they dutifully paid the bill until the last two bills before they moved. They must have found another SSN to use at that time, because no one else has used it since. I found out about 18 months later when a credit company chasing the account finally tracked me down.

I have always wondered if some of those other addresses were associated with that person... but there were no other accounts opened from them, so I don't know. My credit has been frozen for YEARS now.

Anyway, good luck!

[lhamo]

I had identity theft and their address on my report. I recommend disputing it and getting it off so that it doesn't bite you later

+1!  I had a physical credit card stolen from my mailbox last year.  In the space of 2-3 days, they managed to set up an online account at Transunion using  their address/phone number as the contact info.  They then used the info they got from the credit report (including my SSN) to set up an online account at a bank I don't use, complete a cash advance of $2000 from the cc to that account, and tried to set up several other cards and loans.  Thankfully Amex notified me by phone when they tried to open a card there about a week into the whole mess -- all the relevant mail had already been diverted to their address.  I froze and reported everything, but it took nearly 6 months to unwind the cash advance, because they opened the account in my name/using my SSN.