The most common consumer contact my firm receives as a dispute is the comment by the consumer on a call with the agency that "it's not my debt". While that may be a true statement in some cases, some proof from the consumer should be required as to why the debt isn't theirs. For our customers, proof of residence at a different address from where our service was provided is usually sufficient for us to remove that customer from the debt.
The consumers must understand that they have to work with the creditor or agency to correct whatever info lead to an "incorrect link" (common name, bad SSN, fraud...). The 3 items listed in CFPB summary is usually adequate.
Aturk
1
The most common consumer contact my firm receives as a dispute is the comment by the consumer on a call with the agency that "it's not my debt". While that may be a true statement in some cases, some proof from the consumer should be required as to why the debt isn't theirs. For our customers, proof of residence at a different address from where our service was provided is usually sufficient for us to remove that customer from the debt. The consumers must understand that they have to work with the creditor or agency to correct whatever info lead to an "incorrect link" (common name, bad SSN, fraud...). The 3 items listed in CFPB summary is usually adequate.
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