Do I need to show proof of identity on dispute letter

[funnyandnice]

I see on the dispute letters there is a line that says to show a drivers license or bill copy for proof of identity, do i need to send this? i already had them printed off when i realized i forgot to add that.

thanks

[Methuss]

If you do not include identification with your letter, then they can legally ignore it.

I had a small stack of letterhead copied with a scan of my driver's license in the lower end of the page. That way I could just feed it through a printer and the DL is embedded in the letter (so they can't claim they lost it or that it wasn't included).

[funnyandnice]

Thank you, i do have a follow up...if my address has changed in the last 2 years and the Credit bureaus still have my old address, do i need to add a separate letter for this b/c my proof of identity will show my new address or will they just update it with my return address.

thannks again!!

[Methuss]

Technically, under the FCRA the only thing you need provide is a copy of a State-issued identificaiton card. That's the standard for ID-Theft victims. It would be ludicrous that someone with less of a problem would be held to a higher standard for identification.

However, the address change does pose an interresting question of what they should do and what would be responsible of them to do. I would not be offended if they asked for something more to prove change of address, if it was me. I would rather they took steps to prevent ID-Theft than make it so easy that a file could be hijacked with a simple change of address trick.

If you did a post office forwarding from your old to new address, you could see if the post office can give you something to show it. USPS is a quasi-government agency so it would be hard to reject proof like that. I would not give bureaus tax forms though. Earnings and tax liabilities are none of their business, but something they would love to keep records on I am sure..

[funnyandnice]

Thanks, this is actually for my wife, we got married a few years ago and obviously she moved and the bureuas still have her old address so i was wondering how they might handle the license and return address being different from what they currenlty have. should i include a separate letter explaining the move.

thank you

[funnyandnice]

to follow up on the address change, what about the name change, is it best to send a separate letter with the dispute letters stating the address and name change due to gettnig married?

thanks,