I know that isn't what you are attempting, nor any one is attempting when they say a debt isn't mine. But the easiest way for THEM to respond is using the provisions of FACTA that translate a "NOT MINE" dispute as a FRAUD ALLEGATION. The dirty secret is that if they get one number wrong in SOMEONE'S SSN, they can back-fill the rest of the data needed to verify an account as being YOURS by requesting the information from the CRA. Remember what Johnson v. MBNA 'proved' to beat a simple "NOT MINE" dispute, a DF only needs to verify any 2, SSN, DOB, NAME, or ADDRESS. The recent news on celebrigate (CRAs being spoofed into providing FACRs of celebrity and political figures) shows how easily it is to get at least 2 of those details on ANYONE.
AU account started reporting. 8 year history, $1200CL, zero balance, no lates. Boosted my AaofA by 6 months, dropped debt to credit ratio down by 10%. Score change=0.... I don't know what to think. I know this CL is not big, but its bigger than what i had, and expected some kind of score bump. Perhaps scoring model needs time to catch up.
Hmmm, it could be a delay in scoring. And as you know the longer you're attached to this account, the more it will boost your score. I'd give it a couple more months before determining a verdict. But DO keep us posted on the progress.
Update: got a letter in the mail from AES telling me that they actually service my loan on behalf of the loan's owner, that per AES's agreement with said owner they're required to submit unfavorable information to CRAs, that, because no servicing errors occurred, the unfavorable information was submitted accurately, and that, "[a]s there does not appear to be any dispute that the information sent by AES to the credit reporting agencies is accurate, AES cannot lawfully remove this reporting." In other words, Our Hands Are Tied. They did say that they forwarded my request to the owner of the loan for further review, which I'm assuming isn't going anywhere.
I'd dispute that credit card as "obsolete." It's close to seven years old, it might just come off. Or try the "not mine" first. If they send you papers for a fraud report, just ignore them. They probably won't come after you, they just won't remove it. Something this old they might not worry with validating. They might, but who knows.
