False credit information?

Question

When someone tried to get my credit report online for security purposes it asked to verify the mortgage I may have opened and its terms. They said I didn't own a house and one of the major credit bureaus rejected them claiming I must own a house. My mom asked my cousin to look this up on me when my mom gave my social security number to her. The problem that started this is that my mom feels she should have a lot more money than she has and suspects I may have stole from her. She doesn't look at bills and I do it all for her but I used a lot of her money to pay her expenses but she doesn't want to believe it. So they are at a point of believing I own a house and I tell them I never even looked at a house and don't have the income needed either. Is this probably a mistake by the credit bureau. Should I write to them and tell them I never owned a house and see why they claim I do or what?

Answer 1

First of all it is illegal for someone to look up your credit report without your permission.  So your mom and cousin have committed a felony by even attempting to look up your credit report.

The "mortgage" question is the most common one that will confuse people.  As you seem to know there is an option that says something like "none of the above"  if you don't have a mortgage this is the answer you would select.  There is also a second question that asks for the amount(even if you say you don't have a mortgage).  If they select anything but none of the above again it will get rejected anyways.   Any other answer would fail the question.  There is no need in writing the credit bureau(s) if it was just the security question.   What you need to do is go to http://www.annualcreditreport.com and check out your report yourself.  If there actually is a mortgage on your report you do need to investigate it as you could be a victim of identity theft.

The best thing to tell your mom is that what she did was illegal.   Then go over all of the bills and expenses to show her where the her money has gone.  It is then up to her whether to believe it or not.

Answer 2

You don't say how old your mother is but my guess is that the cousin or some other relative has put it into her head that you are stealing her money.

Make sure you keep records of all financial transactions.  Be sure to note check #, dates, and amounts on all the bills and keep those records.  Keep receipts of everything!  You may even want to go so far as to set up a spread sheet showing every penny spent.

You may want to consider putting a freeze on your credit files to prevent any future attempts by your mother and cousin to access your credit file.

Answer 3

Order your credit reports from the three major bureaus and go over them. If there are any errors you can correct them, and at the same time you can examine everything on your reports. It is good to do this for safety reasons, and to prevent identity fraud.

https://www.annualcreditreport.com/cra/i...

This is free~~good luck:))