Can anyone verify if this is true? The credit bureaus are required by law to have a copy of that same verifiable proof in their files prior to reporting on that particular account. They are the agencies that are reporting your information to underwriters and Loan Officers....and Banks and so forth not the creditors. Under the FCRA 15 U.S.C. 1681.....the Credit Bureuas need to provide you a copy of verifiable documentation if it is requested by you the consumer. We have NEVER RECEIVED a single copy of "verifiable proof" on even one single client account that we have requested from the Cred