[kojack]

Is this absolutely all they have to verify when investigating an collection account? I read the FCRA but was still unclear.

Thanks

[Qtip]

Good question Kojack, it has been a while for me and honestly I do not have the answer to the question. Hope others do!

[jlynn]

Originally Posted by kojack

Is this absolutely all they have to verify when investigating an collection account? I read the FCRA but was still unclear.

Thanks

It depends on how you dispute. With a "not mine" dispute that is generally all that is needed, but if you get very detailed by disputing specific info within the TL, then, in a perfect world, name and SSN are not enough.

[kojack]

in an identity theft case, CRA did not accept FTC fraud affidavit and police report.