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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'
Yahoo Finance· 2026-01-14 17:01
Core Insights - The issuance of a new Social Security number (SSN) did not resolve the initial issue but instead led to a series of financial and legal complications for the individual involved [1][2]. Group 1: Credit History Issues - After receiving a new SSN in 2018, the individual faced significant challenges in obtaining loans, with credit checks failing or returning no credit score [2]. - Two of the three major credit bureaus, TransUnion and Equifax, showed little to no data on the individual's credit history, with TransUnion having zero information and Equifax only one account [2]. - Experian was the only bureau showing some credit lines, but it was missing multiple accounts, including old car payments, utilities, and rent [2]. Group 2: Legal Complications - The individual was mistakenly identified as someone else due to the previous SSN still being in use, leading to legal documents being sent for unpaid child support that was not applicable to him [3]. - Law enforcement became involved, resulting in the individual being arrested for DMV fraud, as authorities believed he was committing fraud due to the lack of connection to his new SSN [4]. Group 3: Credit Bureau Handling - The issue arose from how credit bureaus manage new SSNs, as they do not automatically merge old credit files with new ones [4]. - Credit bureaus require both the individual and their creditors to update their information, which resulted in the individual's accounts not being linked to his new identity, preventing new creditors from verifying him [5].