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DOB incorrect on EQ report


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I was looking at my credit reports today, and I noticed something odd on my EQ report. My date of birth has the wrong month. I was born in October (10) and EQ has my birth month as January (01). It is clear what happened, whoever input my data simply transposed the digits, turning a 10 into a 01.

 

That being said, it might also not be that simple of an error. Perhaps there is a tradeline that has January (wrong month) in my DOB and EQ updated my information on that tradeline's reported DOB.

 

Either way, this seems like an opportunity. Correct me if I am wrong, but if tradelines are disputed based on a "not mine" approach, could a mismatch in DOB be significant?

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Well, I am not going to be prepared to file anything until the end of the month, then I will have the funding to handle anything that arises from poking at the bears. At the moment I am in a learning phase where I am reading the FCRA (currently) and other legal documents, asking questions here, and reading forum posts like the internet is going down tomorrow :D

 

I tend to obsess over a single thing until I consider myself fully prepared, then I take action. I am making flowcharts for each tradeline. I want to be able to automate the process as much as possible once it actually begins, so that requires that I keep learning now. No reason to jump out of a plane if you don't already know the ins and outs of the parachute and landing procedure :P

 

Edit: spelling

Edited by Recovery77
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I actually intend to pay what I actually owe, but I do have some accounts that are legitimately not mine or I honestly do not recognize. I have a fair sum of money coming in soon and just want to get some things taken care of. That's why I was tossing around a PFD for the thread about an installment loan where it was signed in NC and I lived in VA.

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