DOB incorrect on EQ report

[Recovery77]

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?

[tweak]

TU thinks my wife was born in 1907 (correct year = 1967).

 

Please let us know if the wrong DOB helps your disputes.

[Recovery77]

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

 

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

 

Edit: spelling

Edited January 10, 2015 by Recovery77

[mindcrime]

I don't see your DOB aiding in a Not Mine dispute.

[shifter]

if tradelines are disputed based on a "not mine" approach, could a mismatch in DOB be significant?

disputing legitimate accounts as not mine

 

is not recommended.

 

and the DOB issue will not help.

[Recovery77]

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.