I have been out of the credit forum for awhile, and would like a bit of help. I'm helping out my sister on a collection account. Unfortunately, she received letters from a CA and ignored it because she knew they had the wrong person. This is for 3 checks that someone wrote to a casino it looks like, and just by looking at that she knew without a doubt it was not her. Well of course its on her CRs now and she wants it gone. I sent a TX DV to the CA last week, and I got the copies of the bad checks. The name is the same as my sister but the address on the check is definitely not hers. The address on the check shows the address to an apartment complex that my sister once lived in, but in a different apartment number then the one listed on the check. Also she lived in that apartment complex back in 1998 or so for only a couple of years, the dates on the check are dated in 2007. The signature on the check is definitely not hers. Checks are for a Cap One account, but she never had a Cap One bank account. She did have a Cap One CC back then, but no longer have that card.
Do I file a dispute with the CRAs saying the CA is reporting on the wrong person and request it to be removed? Or do I send a follow up to the CA saying they have the wrong person? I'm just needing a bit of guidance on where to go from here. Any help is appreciated. Thanks.