My Credit Reports: Experian Report Mixed-Up?

I wanted to update my credit report situation. Well, Equifax had a few errors that I am going to dispute online. TransUnion, Believe it or not, was actually the credit reporting agency with the least amount of errors. I did a quick dispute of the 4 minor problems I found:

1. The CRV showing a balance and repo-this was included in my bankruptcy
2. The CIVIC is showing that it was included in my bankruptcy
3. Mohawk GE showing charged off but it was included in bankruptcy
4. City Furniture-same thing

Not bad for TransUnion. Now Experian, well pulling my credit file on a Friday night was not a smart idea. Experian nearly gave me a heart attack and I literally could not sleep at all Friday or last  night. I have been on edge all weekend. Put it this way, my Experian report included almost 50 pages of charge offs, collection accounts, thousands in hospital bills, inquiries, multiple bankruptcies–apparently that are not even mine. I started disputing them until I realized there was a serious problem.

At first I thought identity theft but then I looked at the age of some of these accounts and it was during my bankruptcy period. All of that would have came up when I filed. Also, the other 2 credit reporting agencies were showing the correct accounts–they just were not reporting correctly. So I felt a little better.

When I got to the final pages of the credit report, I found something really alarming. I found my name, address, and other correct personal info like my phone number and husband’s name. What also showed up was personal information of other women–with the same first name as me! It also showed their DOB, last 4 of their social security numbers, their employer info. It goes on and on. Not only did that bother me–it is just disturbing on so many levels!

For one, the same way I am seeing their info–they are probably seeing mine. What also bothers me is the fact that after trying to research this, I see this is somewhat common but not so common where I could actually figure out what to do. It sounds like my credit file may have been mixed or split? Not sure really and not sure if it will be a hassle to fix. Experian, well they are closed on weekends so all I had was their 24/7 automated Fraud hot-line to get aggravated with.

What has me the most concerned is: now that I started disputing items that I thought were not mine, did I open up a can of worms? Because technically these are “someone’s” bills and creditors and collection agencies are going to be looking for their money. Once you open a dispute, the credit report agency contacts the creditor to verify information and may update your info with them. Great. Does this mean they are going to start hounding me for accounts that are not mine? This is what has me worried!

I just went through this whole debt nightmare and do not want to relive this crap all over again. So I am hoping I am just reading more into this than what I should. Gosh I hope so. My weekend has been screwed. I was feeling really good until all of this. I backed my work up because I could not concentrate. I did get to do my Disney Give a Day Get a Day volunteer work yesterday. That helped me get my mind off things for a while. But, as soon as I got home I was back to researching this stuff.

I can not wait until Experian opens tomorrow. I am calling before I go into work because I can’t sit and think about this all day. It will drive me crazy. I will update here with the outcome–if there is one.