You betcha! but you might want to make sure and wait for another commenter to confirm it as I am not quite sure. Better yet, why don't you give a call to the Lending Tree guys because they can help better...

They are making a claim about you on your CR. Why would you want to send them "proof" that they are reporting on the right person? Have you already disputed as not mine with the CRA's? If you did, and they verified, then they matched your name, address, and SS#, now they say they need it to verify?.

Prove it or remove it!..

Thanks guys..

I have disputed it with all 3 CRA for like 5 times and every time it comes back verified as mine..

Since I have moved since Aug 2000 I dont have any bills with tht address, they are requesting a bill for that month..

My drivers license has my current address, I can mail them that But do I need to write them another letter to have them show proof?..

Note: any information you send them during the 30 day dispute period gives the CRA the right to extend the response time to complete your dispute. I can't remember exactly how much extra time they will get to complete investigation..

I think any info you give them related to you or that dispute once a dispute is submitted extends the investigation time by either 15 days or another 30. Hinestly, cant remember. SOmetimes if they have a hard tim evalidating because you used to have a different name, etc, they will do this. They also do this if the addresses don't match up with what is on the debt and what is on your file. By giving them new address info or old address info, they sometimes use it against you as verification. Really, I'm not paranoid, lol..

Nikki.

"It's all about the paper trail"..

Here are my thoughts, but please get more opinions first!.

I would write the OC asking them exactly why they want this information. You do not recognize the account, you have disputed that fact thru the CRA's yet they have been able to verify your ownership of the account via your name, address, AND SS# FIVE TIMES and now they need this info from you to verify?..

Re: Credit Account with OC reporting wrong information.

Dear OC:.

I mailed you a letter on XXXX Date, which you signed for on XXXX Date. However, you have continued to report negative information which you know to be false..

1) You state in your Month, Day, Year letter that (insert OC) you will need my Driver's License, SS# and Copy of Utility Bill from 2000..

A) WHY does (Insert OC) NOT know what it is reporting to the credit reporting agencies? I have disputed this account X times and you still report the information even though you don't have my SS# or previous address on file..

B) Why are you verifying information and then asking me for proof of residency and social security number?.

I was denied credit based on my Equifax credit report and I suffered damages. (insert OC) not only violated the FCRA, but failed to remove the erroneous reporting to the credit reporting agencies..

In a 1999 FTC opinion Watkins etter:.

"Section 623(a)(1)(B) forbids furnishers from continuing to report inaccurate information that is disputed by consumers in writing to the address provided by the furnisher (using the procedure you cited). In addition, Section 623(b) imposes clear investigative duties on furnishers when they receive disputes from CRAs, and allows consumers to sue violators of this subsection to obtain damages (which may be punitive if the consumer shows willful violation) and attorney fees.".

As I am extremely busy, I am once again offering to settle this matter on the following terms:.

By X date (30 days from original letter).

1) (insert OC) removes ALL erroneous tradelines from ALL CRA's to include: Trans Union, Experian and Equifax..

Sincerely,.

Helpwanted.

You can modify this letter to fit your needs. I obtained this one from bayhouse with a little modification and used it against a Collection Agency...

Thanks guys!.

Helpwanted, When I write the letter and should I just number it like you did?..

Thanks guys!.

Helpwanted, When I write the letter should I just number it like you did?..

Tell them the law says THEY have to properly verify it to YOU. Not visa-versa. They obviously can't verify it and all this info they want you to send is so they can update their records on you, get an extra 15 days and bother you to the extent where they hope you will just go away..

What a nerve they have! Their gall is almost laughable. <<please note, I said almost :)>>..

That is up to you. I mistyped a few words here and there so you will need to proofread BEFORE you send it out, also you could add an (or) in the last part that tells them either they delete it or you will file a small claims suit against them in your state of residence. If you want me to finish the letter for you and post it I will..................