Hey, My name is Tommy. this is my first post here. this place has a ton of useful info. Glad I signed up.
So this is a wierd issue i'm having but its been ruining my last few weeks. And potentially ruined a lot more but I dont know yet. I am really running out of people to ask for advise.
My SSN is very simple and easy to remember. I had an issue getting my first bank account when i was maybe 15. There was a red flag saying it might not be my SSN. Whatever, they figured it out. I got the account. Then when i was 17 i switched banks. That issue didnt come up. I never thought anything of it. Then a few weeks ago, I try to open a new account at the credit union. They wouldnt do it because again, theres a high likelyhood that its not my SSN according to their computor. I had to get my SSN card, show it to them and then I was able to get the account. Then I try to get a credit card. They try to submit my application but the loan office says they need further verification that it's me. Basically my SSN comes up as invalid. I had to do a few things such as give them a letter from the Social Security office verifying that my SSN info is correct, run an online credit report, and have the credit bureau fix the issue. The Social Security office looked up all my info and say its all legit and there's nothing they can do on their end. That makes sense. I have a passport and visa and my tax stuff is never an issue. So obviously, my SSN is OK. But then I cannot do an online credit report because my SSN is invalid to the credit agencies. I cant get a report over the phone because the automated phone doesnt recognise my SSN and you cannot get a hold of a human being. Today i got the number to an office that deals with Experian's customer service stuff. I talked to a lady on there that every tip she had for me i have already tried and it doesnt work. She said since they are not officially experian, they cannot help me with my issue.
I really want to buy a new car. I went to the dealer with my mom as a co-signer to lease a car. The salesman ran our credit. I know i have none which is the point of having someone co-sign. My mom has great credit, he said come back in a few days when a new deal starts and we'll get it ordered up no problem. On my way down there all excited about getting a new car, he calls and tells me I cant be on the lease, they wont approve if Im on it. Also my dads name came up when they put in my SSN which is a whole new problem. so now I absolutly NEED to resolve this asap before i can do any of this.
If you actually read all that and have dealt with this please help. I have nobody that knows how to fix this. Not the bank. not the social security office. can't find a way to talk to anyone at national consumer assistance or experian. HELP!