False Transunion alert on credit profile?
Hi,
I applied for a credit card online and they sent me a letter saying I need to call them. I called them and the agent said I have a fraud alert on my credit profile and that it requires that the creditors call me anytime I apply for credit.
I have never applied, or called, or registered anything on transunion. So the agent is saying he can't approve with this on file. What should I do?
Is it possible that this is someone else's report somehow mixed up? Because I clearly remember another credit card company, years ago, when I called them for my new credit card, asked me if I was a victim of identity theft and I said never and he also said there was an alert on my profile or something, but later he told me this could be a false report, and sometimes it happens and so he did approve my application.
So I am not sure what's going on with this, whether it's the agent or me, or some other thing? Can someone initiate this on my behalf like a bank?
I didn't put my SIN number in my application so could this be it?
What I don't understand is why they can't just verify me by other means and take my word that I didn't have an alert and I don't require anyone to call me for new credit? I already have an account with them.
Thanks in advance.
I applied for a credit card online and they sent me a letter saying I need to call them. I called them and the agent said I have a fraud alert on my credit profile and that it requires that the creditors call me anytime I apply for credit.
I have never applied, or called, or registered anything on transunion. So the agent is saying he can't approve with this on file. What should I do?
Is it possible that this is someone else's report somehow mixed up? Because I clearly remember another credit card company, years ago, when I called them for my new credit card, asked me if I was a victim of identity theft and I said never and he also said there was an alert on my profile or something, but later he told me this could be a false report, and sometimes it happens and so he did approve my application.
So I am not sure what's going on with this, whether it's the agent or me, or some other thing? Can someone initiate this on my behalf like a bank?
I didn't put my SIN number in my application so could this be it?
What I don't understand is why they can't just verify me by other means and take my word that I didn't have an alert and I don't require anyone to call me for new credit? I already have an account with them.
Thanks in advance.