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File a direct dispute with them, including statements from both of you as to your current addresses, preferably supported by an ID, such as driver's license, showing your names associated with the separate addresses. That should be adequae info to support the showing even if they dont maintinan it in their database.
If that does not do the trick, then consider a complaint to the CFPB, or last result, legal action.
I would approach the creditor from this angle:
"The law requires the reporting of ACCURATE information. But the law does NOT require reporting to occur. Since your system is limited to a single address, which is NOT accurate for reporting purposes under my name - this leaves your organization with a potential legal liability under the law. The most sensible thing for you to do, in order to remove any possibilty of legal liabilty is to simply NOT report this account to the CRA's under MY NAME. Remember there IS no legal requirement to report - only that reporting be accurate. Therefore, until such time as you are able to accurately report mutliple addresses of primary and secondary account holders I am requesting that you NOT report this account under my name."
@RobertEG wrote:File a direct dispute with them, including statements from both of you as to your current addresses, preferably supported by an ID, such as driver's license, showing your names associated with the separate addresses. That should be adequae info to support the showing even if they dont maintinan it in their database.
If that does not do the trick, then consider a complaint to the CFPB, or last result, legal action.
Thanks for the advice. Providing ID's is a great idea so that they are forced to acknowledge that they are indeed reporting incorrect information and prevents plausible deniability.
@Anonymous wrote:I would approach the creditor from this angle:
"The law requires the reporting of ACCURATE information. But the law does NOT require reporting to occur. Since your system is limited to a single address, which is NOT accurate for reporting purposes under my name - this leaves your organization with a potential legal liability under the law. The most sensible thing for you to do, in order to remove any possibilty of legal liabilty is to simply NOT report this account to the CRA's under MY NAME. Remember there IS no legal requirement to report - only that reporting be accurate. Therefore, until such time as you are able to accurately report mutliple addresses of primary and secondary account holders I am requesting that you NOT report this account under my name."
The only downside to them not reporting is that is has my biggest credit line which obviously helps with my UTIL.
Well the same would go for inividual items of data. They can choose not to report the address.
@Anonymous wrote:Well the same would go for inividual items of data. They can choose not to report the address.
I wasn't aware they could exclude particular details about one's account. Thanks for the tip I will attempt that angle as well.