He Discovered He Shared His SSN With Someone Who Had The Same Name, Birthday, And Place Of Birth. Here's How It Turned His Life Into 'Hell'

When a Reddit idiosyncratic discovered that helium shared a Social Security fig with idiosyncratic other who had the nonstop aforesaid name, day and spot of birth, helium thought the nightmare would extremity erstwhile the Social Security Administration issued him a caller SSN. But alternatively of solving the problem, it opened a caller section of chaos that would agelong implicit years.

In a caller station connected Reddit’s r/personalfinance forum, the idiosyncratic explained that aft being fixed a caller SSN successful 2018, his fiscal beingness collapsed.

“Ever since I was issued the caller number, I person not been capable to get immoderate loans,” the archetypal poster wrote. Any effort astatine a recognition cheque either failed oregon came backmost with nary recognition score. “Nothing has been reported to my recognition report.”

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He assumed clip would heal it, but years later, 2 of the 3 recognition bureaus inactive showed small to nary data. TransUnion had zero accusation connected file. Equifax had conscionable 1 account. Only Experian was showing immoderate of his recognition lines, but adjacent that study was missing aggregate accounts, similar aged car payments, utilities, and rent.

It wasn't conscionable recognition entree that suffered. Because the different idiosyncratic continued utilizing the aged SSN, the idiosyncratic said helium was repeatedly mistaken for idiosyncratic else. He described being sent ineligible documents for unpaid kid enactment connected a kid that wasn't his. He was astir forced to look successful tribunal successful North Carolina to beryllium it.

Things got worse erstwhile instrumentality enforcement became involved.

“I was besides arrested by the [Department of Motor Vehicles] constabulary for DMV fraud and they suspended my licence due to the fact that [they] thought that I was committing fraud,” helium said. “But they conscionable did not person my caller Social Security number.”

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According to commenters connected the thread, the contented stemmed from however recognition bureaus grip caller SSNs. When idiosyncratic is issued a caller number, recognition bureaus don't automatically merge their aged recognition record with the caller one.

“They hold for you and your creditors to update them,” 1 apical commenter wrote. That means his accounts ne'er connected to his caller identity, and caller creditors couldn't verify him.