Credit Bureaus Experian, Equifax, TransUnion Negligent Processing of Personal Data, Internet

Never name a son after yourself.  My son is 28 and I am sad to say has been a deadbeat since he was 18. He has no credit because he hardly pays on any debts.  If I had known what I know about the credit bureaus what I know now, my son would have a different name, period.

I am a 57 year old Retired USAF Sergeant who is also a 100% disabled veteran.  I spend half of my time at the VA or the local military base due to my health.  I have always been fiscally responsible.  I had a great credit rating prior to my son turning 18.  It would have been even better if several items had not shown up on my reports that were not mine before my son became an issue.  My rating should have been perfect!

I have been at odds with the three credit bureaus for 10+ years because they do not check simple things like any personal information, let alone the social security number.  There has been at least 15 incidents in which they put my son's or someone else's bad credit data on my reports.  I am over $300,000.00 in debt due to the negligent processes used by the bureaus.

One of the most glaring issues is having to pay higher interest rates on any and all loans I have taken out in the past 20 years.  This has cost me hundreds of thousands of dollars more than I should have had to pay on loans and credit cards.  At one time I could set the credit limit on credit cards, but I can hardly get credit now. 

The bureaus put something on my report simply because it matches my name, my rating goes down, and I have to fight with the bureaus for months, if not years to get it corrected.  Even when an item is removed my rating never goes up to where it should have been.  All because they do not even check the SSN, address, full name, phone, etc.

Hence the bureaus are not protecting me from anything and have damaged my credit for life due to their gross negligence.  Nothing should appear on a credit report before at least checking the SSN and personal information.  If something is in question it should be flagged and investigated before ruining someone's credit rating. 

Lastly, the credit rating is used for everything, including getting jobs and anything else that involves money.  And as an independent computer consultant, I also did not get several jobs where this information was checked, like working for the local Sheriff's office.  With the power the bureaus wield they should take extra precautions to protect a client's data, not less...

The issue is still ongoing and I cannot see a light at the end of the tunnel.  Only darkness and doom...

Bureau Info Follows:
Experian
P.O. Box 2002
Allen, TX 75013
(888) 397-3742
www.experian.com

Equifax Credit Information Services, Inc.
P.O. Box 740256
Atlanta, GA 30374
(800) 685-1111
www.equifax.com

TransUnion, LLC
P.O. Box 2000
Chester, PA 19022
(800) 888-4213
www.transunion.com