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If the proof is something you don't recognize, or the creditor says you gave authorization at a time when you know you didn't, take immediate action. Tell the bureau to put a freeze, or at least a fraud alert, on your account (that bureau should then notify the other two). Also, since each of the big three credit bureaus (Equifax, Experian and TransUnion) don't necessarily contain the exact same information, you should check for any further evidence of fraud that didn't show up on the report you viewed. You can pull a free copy of each credit report once a year from AnnualCreditReport.com.
There is a linked address on my credit report that is incorrect, or that I don’t recognise
If there is an address on your credit report that you are not familiar with or have never been to, it can be a sign of identity fraud. Here’s what you should do:
-We will look into this for you to help you to understand why the address is there, and to see if it can be removed from your Experian Credit Report. Please call our UK based team on 0800 013 88 88 (Freephone) or 0344 481 0800*
-We’ll contact the bank or financial institution that’s recorded this information combining your name with this address, and we’ll ask them to check it.
-We’ll keep you updated – we will let you know when we have contacted the bank or financial institution, and the outcome of that. Only the bank or financial institution who added the linked address information can authorize for the address link to be removed.
-We will add a ‘Notice of Dispute’ to this linked address within your credit report. This will remain until we are able to delete, change or resolve why the address is there.
-Once the bank or financial institution replies to us we’ll email you to let you know the outcome. We expect to receive a response from them within 28 days.
You’ll be able to see any changes on your credit report.
-Other things you can do:
-Contact the bank or financial institution yourself straight away to ask them to investigate. Only the organisation can give authorisation for the link to be removed, so your contact with them can speed up the time it takes to get something corrected.
-The bank or financial institution should inform the other credit reference agencies in the UK of this change too, but it is worth you checking directly with them. They are Equifax and Call Credit.
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