Correcting personal information on credit report?
I request credit reports every year. My credit history is fine, and there are no errors in the credit information. However, my name and address are incorrect, and have been for several years.
I did report that the information was incorrect, but I was told by the agencies that the errors in personal information cannot be corrected because they are recorded the way the information is reported by creditors.
However, the name is way wrong. If it were a former married name, I wouldn't worry about it, but it a name that I never used. It is the first name on the list, so it is supposed to be my current name. It makes me feel like I'm not a real person.
And my "current address" as shown on the reports is actually my former spouse's address. I never lived there.
Is there any way to get this information changed?
I haven't applied for any new credit in over six years. If I applied for a new credit card, would the new information override the incorrect information, so that the supposed current information would be correct?