A direct dispute under FCRA 623(a)(8) is unlikely to resolve the issue of account not mine.
The "problem" with filing a direct dispute under section 623(a)(8) is that the furnisher can verify without providing legal proof of the accuracy of their determination that you are the responsible party for the debt. If they have adequate information to lead to a finding that you are the responsible party, they can verify the accuracy of their reporting.
They are not required to prove the legitimacy, or investigate any issue of identity theft as part of their verification.
Congress implemented the identity theft provisions of the FCRA to deal with the inherent problem in the FCRA dispute process when the consumer asserts they did not authorize an account, but the creditor has basis to conclude they did.
Under FCRA 605B, if the consumer puts their assertion into the form of a sworn police report, the information must be blocked from the consumer's credit report without any need of proofs by either the consumer or the creditor. The creditor and any verification of accuracy is no longer a consideration as to continued showing of the account in the consumer's credit report.
