Re: Proof of Identity? (2024)

I sent a DV letter to Equifax and they have responded back asking for proof of my identity. They say the information they have on file doesn't match the information that I provided. The information does however match the report that I purchased from them.

They want 1 of each column

Identification

Social Security Card

Pay Stub with Social Security number

W2 Form

Address

Driver's License

Rental lease agreement/house deed

Pay stub with address

Utility bill

Has anyone had this happen to them?

Is this just a stall tactic for them?

Will this extend or stop the 30 day clock?

Thanks,

Jamie

0Kudos

Why did you send a DV letter to EQ and not the CA or OC?

0Kudos

That's what I thought I should do.

I sent DVs to three different CA for three different accounts.

Waited 3 days....

Sent DV to all three CRA for those same accounts.

0Kudos

Well there is DV'ing a creditor to ensure the debt is yours and there is the dispute process with the CRA's but the two are different - I've never heard of DV'ing a CRA - anyone wanna jump in here - maybe I missed something

0Kudos

I sent a dispute letter to Equifax requesting them to investigate some things such as not being able to add my Equifax credit report to any credit reporting monitoring services and never being advised about the outcome of a dispute filed several months ago. They had told me my credit file was too lengthy to add to any CMS, which I don't buy. They requested the same information from me. I sent it in, and am now able to add my Equifax file to a CMS.

Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 10/19/2018 FICO 671 EQ 12/21/2018 FICO 614 EX 5/31/2014 FICO 658
Goal Scores 700 across the board

0Kudos

This was my initial letter to all of the CA and CRA.

I stated in the letter that I disputed that the item as mine and could they please verify the account as mine.

0Kudos

When you dispute with a CRA, you are required to identify the specific inaccuracy, and provide sufficient supporting documenation to enable the accuracy to be investigated by the furnisher, and reinvestigated by the CRA.

General assertions do not meet that requirement. They are not required to verify debt. They have no way of doing so.... they are not the creditor, and dont have means or obligation to investigate the legitimacy of a debt.

0Kudos

Ahhh gotcha - so essentially you are just disputing with the CRA's then - I would go the online route unless you have very specific details that need to be addressed - but I always feel its a bad idea to dispute just for the sake of disputing if the debt is yours (not that you are doing this but often others do)

0Kudos

If you assert that an account or transactions thereon that have been reported to a CRA were not authorized by you, the FCRA provides an identity theft procedure to compel the creditor to provide documenation. FCRA 609(e). It is not part of the dispute process, it is a preliminary means to compel production of information needed for the consumer to document a dispute.

The dispute process does not compel the production of documentation to support a verification of their claim of your responsibility for the account.

You should first get the info you need.

0Kudos

Okay...Let me try and be a little more clear.

I disputed 3 reported accounts as not being mine and asked them to please open an investigation verifying that the accounts belonged to me.

In my letter I provided the following personal identifying information that ALSO appeared on their report:

My Name

Street Address

City, State Zip Code

Social Security Number: XXX-XX-XXXX

I specifically mentioned which items I disputed with the following information:

CA Name

Street Address

City, State Zip Code

Original Creditor: XXX XXXXXXXX XXX

Shouldn't that be enough information for them?

Why would they be asking for verification of MY personal information?

They aren't asking me what I am disputing, they just want my personal information verified.

Thanks,

Jamie

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