You've pulled a CBR and find two SSNs listed under the subject's name. The second SSN is something entirely different than the first (and the first is what the customer has put on her application form and appears on her tax returns). What steps should be taken with respect to the second SSN?

I would call the customer directly and inquire which is the accurate number. I would even request they bring in their SS card in order to verify the correct number. Either way, document whatever course of action you choose to take.

Thanks for your response, ACB.

Is my understanding correct that our obligation ends with making certain that the SSN we use is authentic to our customer, and that we have no responsibility with respect to finding out why the other SSNs appear on the CBR?

I would ask the potential Borrower as to why there were two numbers on the credit report. This could be a possible ID theft situation. I would also review the credit report very carefully. Are there any alerts on there which would indicate identity theft? I would also recommend obtain two forms of ID from this customer for your file. I would also call the credit bureau and ask them why there were two numbers on the credit report. You can then compare all this information and see if it makese sense. Once again, document every step you go through.

I recently pulled my own CB report and found a second SSN listed. It belongs to my husband. Now I have the joy of dealing with the CB to have it 'fixed'. It oculd possibly belong to someone with whom they have a joint account or co-signed for. That's what the CB told me.