[centex]

You are lucky they did not just outright claim your letter as frivilous under 623.

That letter does not provide any semblance of an account number as it appears on the credit report, does not outline what specific component of their tradeline is being disputed and, quite frankly, suggests identity theft (in which case the police report is necessary).

Considering how many people have been issued multiple cards, they have a solid defense for their procedures not including simply running by SSN and name. You need to specify WHAT account is being disputed. Do not be surprised, however, when they send you copies of every statement and copies of the checks used to pay on the account...