Disputes on the basis of "account/debt not mine" usually fail.
Absent more than an assertion, it is unsupported.
In response, the furnisher of the disputed information can rely upon whatever documentation they possess to state that they have basis to verify the accuracy of their reporting. Verification does not require that they provide documenation or that they "prove" the accuracy, so you are essentially left we a he said, she said.
They are most likely not going to simply ignore their internal documentation based on an assertion by the consumer.
Acknowledging the catch-22 in not having documentation to prove a negative, the FCRA provides recourse to blocking information from your credit report without documentation, provided you attest in a sworn police report that you never authorized the account, and thus must have resulted from use of your identity by another.
I would, if you can make the statement that you never authorized the account/debt, pursue via the FCRA identity theft process rather than the dispute process.
Starting Score: 640 TU / 593 EQ / 596 EX (3/1/13)
