Can anyone help in identifying the message below? We received this on a recent credit report for a borrower and are not sure what to do.

HAWK *** (2001) File Previous Address Is Reported Used In True-Name
Fraud Or Credit Fraud

Thanks.

See next post.

If you don't have a current document from the credit bureau that you use that helps interpret these messages, you should make sure to get one. Until then, however, a call to the credit bureau would probably be the most expedient way to get what you're looking for.

For what it's worth, if you repost your question in the Lending Compliance forum, and identify the credit bureau you're working with, one of the lending types that "hang out" there might be able to help you, too.

Thanks. I will try contacting the CB agency for a document describing their messages.

Or just google it.

https://info.carcogroup.com/carco/WebEntry/FAQ/HAWK%20message.pdf

HAWK MESSAGE
Address . . .
SSN . . .
Telephone Number . . .
Reported Used in True Name or
Credit Fraud

WHAT DOES IT MEAN?
Address, SSN or Telephone
Number matches an address or
SSN or telephone number
identified as used in a true name or
credit fraud.

WHY WAS IT GENERATED?
?? Applicant may be a victim of someone
misusing his identity.
?? Applicant may be misusing application
information to create new identity or to
obtain credit under another’s legitimate
identity.
?? Applicant may be reusing information
used in a previous fraud.

SUGGESTED ACTIONS
?? Verify accuracy of operator input.
?? Contact consumer using information on application.
?? Verify other information on application.
??Employment
??Credit references from financial institutions or
other creditors
??Pull ATLAS report with neighbor information and
contact neighbors.

This is EXACTLY what we were looking for.
Thank you!

God, I LOVE it when you guys come together with answers like this!

What can I say, I love this stuff. I just wish I hadn't wasted 10 years in lending and went straight to audit and compliance.