Can a debt collector report you to credit bureaus with the wrong SSN?

Question

There is a debt collector hounding me for a late cable bill but they have the wrong SSN on file. If I don't pay, can they report me to credit bureaus with the wrong SSN even if my name and address is correct?

The last four digits are mixed up. It is not my fault. My Mother noticed it.

Answer 1

Yes, it will likely be reported. The Social Security number is one piece of the puzzle, but not the only piece used to identify you.

Answer 2

confident, they might upload this on your document. they should validate the debt if asked. this is incorrect! "Debt creditors collect money. they do no longer adjudicate disputed debts . you should circulate in the process the keep or business enterprise that stated that debt. Y ou can deliver an authorized leter to the credit bureau explaining the subject . yet purely the keep can take it off your document." Debt creditors do collect money, yet while asked they should validate the debt. meaning they should provide you comprehensive accounting of the debt which contains unique volume due, any money you have made, pastime charged, outcomes, fees, and so on. This ought to all upload as much as the quantity that they are suing for or attempting to collect on. while you're disputing the account as an invalid account, they should attempt to furnish some evidence that it rather is in actuality your account. additionally, the debt collector has the astonishing and ability to eliminate the detrimental information out of your credit document. i could deliver yet another letter with copies of the final letters and playing cards from qualified return receipt mail and tell them that they should validate the debt or you will document in good shape for negligence, injury on your credit document and violation of the honest credit Reporting Act and violation of the honest Debt series Practices Act

Answer 3

Maybe.

The consumer credit reporting agencies -- Equifax, Experian, and TransUnion -- will look at all of the information a creditor has about a consumer when deciding to put a derogatory account in a consumer's file. If the name, address, and most of the Social Security number matches, then it will probably put the derogatory in that consumer's file. That's why it is common for a father and son with the same name to have account information appear on each others' credit reports. The clerk at Equifax, Experian, or TransUnion will overlook the Sr. or Jr. in the person's name, say "close enough" and put the wrong information in the father or son's file.

Is it certain Equifax, Experian, or TransUnion will overlook the wrong Social Security number? No, but it is possible the clerk may kick the file back to the creditor and ask for clarification.