Response to DV letter proves debt not mine, what's next?
Date: Thu, 04/13/2006 - 21:10
They replied (very fast) with what I requested (info from Enterprise-Rent-A-Car, the OC).
The documentation they sent to me proves this debt is not mine:
- Address listed is not mine
- Drivers license listed is not mine
- Phone number is not mine
- DOB on DL not mine
- No SSN listed on rental agreement
What is my next step? They have provided me complete proof this debt is not mine.
Do I send a "Not Mine" letter to the CRA indicating I have proof the debt is not mine?
If so, do I provide them with corroborating evidence that backs this up (DL#, DOB, etc)?
That is pretty much what I would suggest. Send them a copy of t
That is pretty much what I would suggest. Send them a copy of the proof and explain each part - tell them your actual address, dl number, etc. Should be off in no time. :)
~Mary
So I'm in no way jeopardizing anything by sending them my info?
So I'm in no way jeopardizing anything by sending them my info? I know you should never turn it over to a CA, but it's OK to do so with a CRA?
In my experience, it is OK. I have done it and it has never don
In my experience, it is OK. I have done it and it has never done me any harm. They are just the gatherers of the info, if you can prove that it isn't yours, they should have no problem deleting. Some have even had luck with calling the CRA (some people will say don't ever call a CRA but I have had positive experiences with Equifax and Transunion with phone calls). They will probably ask you to fax over your info. Keep us posted!
~Mary
Mary is right, there should be no harm in contacting the CRA, es
Mary is right, there should be no harm in contacting the CRA, especially if it is one of the big three. They are not out to get you. It is good business for them to make sure all information is as accurate as possible (I know this may sound funny, considering how often their info is inaccurate, but it is true).
Even if you dispute online, they might ask for these info. I hav
Even if you dispute online, they might ask for these info. I have never heard any such complaints that CRAs are leaking information.
Thanks for the help. One last question, do I need to include my
Thanks for the help.
One last question, do I need to include my SSN in my "not mine" letter?
Is including the File/Confirmation/Report # adequate?
You can try giving the other info but even if you put the SSN# w
You can try giving the other info but even if you put the SSN# with the CRA, it's safe with them.