randallcred Posted March 25, 2011 Report Share Posted March 25, 2011 (edited) I hadn't run my credit reports in a few years. I ran it recently and saw 1 creditor listed from 2008 that was charged-off but still shows a balance of 1700, credit limit was 500. I disputed with the Credit Bureau that I had no recollection of account and that it may belong to my father who has the same name as myself. I am a Jr. They responded with "verified". Now I am going to write the original creditor. What exactly under law can I request from them in an investigation? Can I request the original credit appllication? Credit agreement bearing my signature? Payment history? Date of last activity? Can I require all of that info or under law just some of it. I just want proof this is my account or I may go to police station and file an identity theft complaint.Any help is welcomed! Thanks! Edited March 25, 2011 by randallcred Email Notification Link to comment Share on other sites More sharing options...
Drake Savory Posted March 25, 2011 Report Share Posted March 25, 2011 Click on the link at the top of the page that says "623 Dispute Method". That should get you started. Link to comment Share on other sites More sharing options...
randallcred Posted March 25, 2011 Author Report Share Posted March 25, 2011 When you mail a letter to an original creditor do you have to supply social security number and proof of identity like you do with the credit bureaus? Link to comment Share on other sites More sharing options...
Hal Jordan Posted March 25, 2011 Report Share Posted March 25, 2011 Not proof of identity but unless you have an account number you will probably have to give them a social security number. Link to comment Share on other sites More sharing options...
diamonddan73 Posted March 26, 2011 Report Share Posted March 26, 2011 Never give them your SSN!!!!!!!!!!!! Link to comment Share on other sites More sharing options...
Hal Jordan Posted March 26, 2011 Report Share Posted March 26, 2011 Never give them your SSN!!!!!!!!!!!!Why not? He's talking about an OC not a Collection agency. Link to comment Share on other sites More sharing options...
johnwhite Posted April 6, 2011 Report Share Posted April 6, 2011 Any update on this? Link to comment Share on other sites More sharing options...
Lian Posted April 10, 2011 Report Share Posted April 10, 2011 In filing a dispute of inaccurate reporting under FCRA 623(a)(8), you will have to provide supporting documentation to establish that the posted account is not yours. I would provide my SSN, as that is the best and most unique matching criteria. At the very least, I would provide full name and address, which are the next most unique matching criteria that is reported to the CRAs. Link to comment Share on other sites More sharing options...
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