Inaccuracies

[Anonymous]

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@RobertEG wrote:

The dispute process requires you to clearly identify the information that you assert to be inaccurate, and provide sufficient information to permit the furnisher and CRA to conduct an investigation.  Documentation supports assertions, and the better the documentation, the clearer becomes the reason why it is asserted to be inaccurate.

FCRA 611(a)(3) permits any dispute that does not provide sufficent information to permit investigation to be dismissed without any need for investigation on the grounds that the dispute is "frivolous or irrelevant."  That is a subjective determination, and you want to avoid dismissal, so yes, clear identifcation supported by some rationale is necessary.

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In this scenario I’m not sure what factual evidence id have besides pointing out that the actual cardholders payment history differs from mine (AU). Is that sufficient? Would a print out detailing this be sufficient? 

[RobertEG]

The fact that there is a difference is kinda self-evident, and is supported by documentary copies of the two credit reports.

However, the final issue is one of which of the two is asserted to be inaccurate.

Upon referral to the creditor, you could choose to rely only on a showing of difference, and leave it to the creditor to determine which is accurate, and which is, accordingly, inaccurate.

However, a more complete dispute might also provide account/payment records showing which is considered by you to be inaccurate.

Again, the more complete the documentation, the more support you have for a showing of what specifically is inaccurate.....