TRUE/FALSE CATEGORY
If I have a not mine dispute, I always need to check if I should transfer to Fraud or Mixed first.
True.
What is the notification for SSN?
Name Explanation Notification.
Consumer states: This account belongs to someone with same or similar name. Where should I transfer?
MIXED.
What is the notification for Address?
Address Explanation Notification.
Anything that the consumers provides that supports the consumer’s dispute. Whether it is a document or a "story" provided by the consumer.
Search should be using numeric inquiry only: Social Security Number, Street Number only, Zip Code only
TRUE.
Item is not displaying in credit report. Which notification should I send?
Send notification - Disputed Item not listed on Credit Report.
Consumer states: This accounts was opened without my consent. Where should I transfer?
FRAUD.
How do we search linked items in an address?
Clicking in the Address Identification Number (AIN) of the address.
When do we use a "CDV Free Form Text" field?
Whenever a consumer provides additional relevant information. We include ARI to provide this information to the public record vendor.
I can change a DOB within 6 years of the year of birth currently on file without proof
FALSE - only within 5 years of the year of birth currently on file without proof.
Which proof do we need to change telephones, employers and spouse?
None. Demographic information, such as phone numbers, employers and spouse, are often unverifiable. So, it should be deleted at the consumer’s request.
DNC + not mine telephone dispute = X. Where should I transfer?
Do not transfer, process as dispute regular.
Reason code we use for Variation of a Profile Address
Variation - Change to Profile Address.
Fraud Indicators? Mixed Indicator?
Fraud: Block and Extended Fraud Victim Statement.
Mixed: DNC (Do Not Combine).
Statements can include names of individuals.
FALSE - When adding or editing a consumer's prepared statement, do not include names of individuals or any defamatory (or slanderous) statements.
Consumer states: This account belongs to my son, please delete. How should I proceed?
Transfer to MIXED.
Different SSN linked to an account disputed as not mine. Where should I transfer?
MIXED.
Reason code we use for Variation of a Previous Address
Variation - Previous Address Correction and make the appropriate corrections manually.
What comment do we need to include in the CDV Free Form text when disputing the Bankruptcy Conversion?
Bankruptcy was converted from a <bankruptcy chapter> to a <bankruptcy chapter>.
Linked items are: Trades, Bankruptcies and Inquiries.
FALSE - Linked Items are: Trades and Bankruptcies only.
Variation Define: ?
Obvious misspelling, obvious transposition, flip-flopped name, not a logical name.
DNC on file + Extended Fraud Victim Statement + Not mine account = X. Where should I transfer?
I should transfer to mixed first.
What does the Duplicate symbol mean in addresses?
The symbol identifies the address that has been identified as being duplicates or a slight variation of an address currently appearing on the consumer’s report.
Send the Address Explanation Notification and Need Proof of Address Notification.