Cars on my credit report that don't belong to me - what can I do?
Per CreditKarma, everything seems fine except for two cars that are listed that don't belong to me. The two cars belong to family members, not random people.
Is this normal? Who should I go to to fix this?
Posted Sep 21, 2018, 6:04 PM UTC
05
What do you mean cars? Cars aren't reported on your credit report, car loans will be.
If you have loans on your credit report that you never signed for there's basically two possibilities. It could be a mistake on the part of the credit reporting agencies. This could happen if your name is similar to your family members, for example John Smith and John Smith jr.
The other possibility is your family members stole your identity. If that's the case you need to decide if you want to call the police or not. The only way to remove it from your credit entirely is to report them to the police and report it as fraud to the lenders and credit reporting agencies.
If it's just listing cars (without car loans), then it might just be CreditKarma matching registration addresses to your profile and suggesting them.
Good point, it's worth pulling his official credit report if he suspects fraud or name issues. CK is a good heads up that there might be a problem but since there is OP should pull his official free credit report via https://www.annualcreditreport.com/index.action
I just requested my reports, and you're right - no mentions of cars anywhere.
As joshua/0448 said, I think CreditKarma is just matching the address with me. In that case, is there any cause for concern?