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Identity verification questions for opening checking account

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I've had instances where I've had identity verification questions asked regarding a person who is unrelated to me (their name was familiar in the sense that I think they used to be a friend of my parents). Which report(s) would have 'related' persons information listed on them so I can dispute to have their names removed?

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The bank or credit union may pull one of these CRA reports:

Request and review your free annual reports.





Early Warning Systems (EWS)

If you wish to obtain Consumer Report Information, please
contact Consumer Services at:

(800) 325-7775

Monday - Friday 8:00 a.m. - 5:00 p.m. Arizona Time (Mountain Time Zone)



Free annual file disclosure pursuant to the Fair Credit Reporting Act


Note:  Reports from Chexsystems include your personal data from LexisNexis.

Request that report as well. The Lexis report may be lengthy, but go through

it and check for false or inaccurate information related to your identity.






Edited by tmcgill

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There's also Equifax eIDverifier. Good luck in ever trying to dispute it. A while ago I tried opening an account with Redneck Bank. I could not get past the verification questions because the answers were wrong and I couldn't figure them out. Redneck Bank told me there is no other way to verify me, and I could try again in a month. I eventually was able to get past the questions through luck. Equifax would not do a thing to help.

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With these online identity questions, try to make a note of the questions and the list of answers, in case they're asked again or you don't know the answer.

I was asked some questions a while ago and also failed. One was, I think, select a current or previous employer. One of the choices was bizarre: Constipated Woman. I didn't pick it. Actually, none of the choices were correct. On a later app I saw the same choice. I picked it, thinking if that odd answer is showing up again, it's the "correct" answer. It was.

Again, it's impossible to dispute this stuff. I tried.

Edited by Burgerwars

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