The Equifax chronicles – or how being trans is sometimes confused with fraud

dreamstimefree_21343Today I went to the bank to open an account for my freelance business. Easy peasy, right? You’d think so but you’d be wrong.

I thought it was just me, but when I met my financial advisor he seemed kind of short with me. He peppered me with pretty specific questions about the nature of my business and treated me like I was hiding something. WTF? I didn’t know why until he asked me if I’d ever had another name. I told him yes and he asked me what it was. Sigh.

Now, I’m not the kind of person that hides that I’m trans. But sometimes it gets tiresome to have to explain myself. So, I tried to steer the conversation away from talking about my past. It didn’t work. Turns out when the bank ran a credit check on me, I got flagged. My ID number, he explained, was not associated with my name. WTF!

We cleared up the confusion when I told him about my gender change. Somewhere someone had neglected to inform me that Equifax needs a copy of my name change paperwork. I hadn’t thought of that way back when and no one’s ever given me grief over it before. I am happy to report that my financial advisor’s demeanour finally relaxed and the snarkiness evaporated. He realized I wasn’t a fraudster, and I realized he thought being trans was no big deal. Yay.

He’d initially thought that maybe I wasn’t who I said I was — that’s what it usually means when the ID number and name don’t match. Fraud.

Glad we sorted THAT out.

It’s been years since I’ve had any problems with my paperwork being in the wrong name and it reminded me of the early days of my transition. Damn, those were not fun times.

Next step: fax my name change to Equifax. Clear up confusion. Get my credit score. Make sure everything is in order.

Breathe. Move on with my life.


3 thoughts on “The Equifax chronicles – or how being trans is sometimes confused with fraud

  1. Khai

    Oh… shit. That’s no fun. I’m glad it seems like it’ll be relatively simple to clear up! And…thanks for the warning, of things to consider while considering the potential to change my name/marker legally

    1. Connexicon Post author

      You’re welcome! Worth keeping in mind if you ever need a line of credit or loan or anything. Equifax needs to know about your updated gender / name. Just fax them your name change certificate, SIN number and ID (Driver’s Licence), and you’re good to go. In Canada anyway.


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