Name variations or additional names appear on the credit report. How do we determine whether or not they belong to the consumer?
The credit report (merge report) has a section entitled: AKA Information. In this section you will find various ways the consumer’s credit has been accessed. For example, let’s say the consumer’s name is Anne M. Gonzalez. The consumer applies for credit and the lender enters the consumer’s name in one of the following formats: Ann M. Gonzales, An M. Gonsales, Anne Gonzales, Ana Gonsalez or A. M. Gonzalez. This will generate a total of five name variations under the heading AKA Information simply because of human error. However, we know this report corresponds to the same consumer because there is no warning, different social security number or different address differentiating from what was entered. If there are no other warning signs, then it is safe to assume that the name(s) corresponds with your consumer.
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