My husband and his dad have the same first and last name, but different middle names, there have been 3 or 4 items of my husbands dads in the past that have gone on my husbands credit report, my husbands dads auto loan was on there for a while, which prevented us from financing a car, one of my husbands dads credit cards, his directv bill for 134 dollars that he owed, and there are a couple other things on my husbands credit now that we think are his dads...one is a verizon home phone. You do not have to provide a social security number to get home phone service, or you didnt in 2007 anyway when this was put on his credit, the creditor or CA can not prove this debt is in fact my husbands since no social was used (although in the past even when my husbands dad used his own social, it still some how wound up on my husbands report) since they can not prove that this is in fact my husbands, not his dads, dont they have to delete it by law? Everything came off my husbands credit on its own some how, the auto loan and credit card, but directv we had to dispute 3 times, and finally last month my husband called equifax to dispute it and it was finally removed, im not sure what his rights are legally, and since we have no paper work or anything to prove it wasnt my husbands, i dont know if we can do anything, but isnt up to the creditor or collection agency to prove that its his? And they cant prove that because no social security number was given...help? lol were trying to buy a house but theres a few things on his credit stopping us...we would just pay them to get them over with, but paying them wont raise his score, getting them deleted will, and we need anything thats not his deleted!!
