If you look at the text of the FRRA as amended You will find Sec 611.
Procedure in case of disputed accuracy [15 U.S.C. § 1681i] which provides the Legal framework for dealing with content in credit reports whoich the subject stated to be in accurate.
Under Sec 611(a)(1) the consumer is entitled to demand a re-investigation of any stated inaccuracy. Specifically:
if the completeness or accuracy of any item
of information contained in a consumer’s file at a consumer
reporting agency is disputed by the consumer and the consumer
notifies the agency directly, or indirectly through a reseller,
of such dispute, the agency shall, free of charge, conduct a
reasonable reinvestigation to determine whether the disputed
information is inaccurate and record the current status of the
disputed information, or delete the item from the file in
accordance with paragraph (5), before the end of the 30-day
period beginning on the date on which the agency receives the
notice of the dispute from the consumer or reseller.
Under Sec 611(a)(2)(a) the credit reporting agency (CRA) must notify the source of the information (known as the furnisher) of such a re-investigation within 5 days.
Under Sec 611(a)(4), during such a re-investigation
the consumer reporting
agency shall review and consider all relevant information submitted
by the consumer ...
Under Sec 611(a)(5) any information found to be "inaccurate or incomplete or cannot be verified" the CRA must delete it and take precautions that it shall not be re-added to the credit report.
Under Sec 611(a)(6)(B) the CRA must provide to the consumer, within 5 days after the investigation is closed, several things, including:
- a note of the results;
- an updated report based on those results, including any deletions or changes resulting from the investigation;
- various notices about the consumer's rights.
If the consumer requests it (and it must be specifically asked for) the CRA must provide to the consumer (under Sec 611(a)(7)) within 15 days after the request for it a description of the process of investigation used, including
"the business name and address of any furnisher of information contacted in
connection with such information and the telephone number of such furnisher, if reasonably available"
If the consumer requests it (and it must be specifically asked for) the CRA must (under Sec 611(b)) accept AND FILE a statement of dispute (which may be limited to 100 words if the CRA so chooses). Such a statement must thereafter be supplied with all credit reports containing the disputed information, and all re-sellers of the information must also include it.
If a consumer has been through this process, and the CRA has concluded the information to be accurate, the description of the investigation and the statement of dispute is all that a CRA is required to do under the FCRA. It may provide an internal appeals process. It may reconsider at the request of an elected official, but neither is required. Beyond that, one would have to file a lawsuit.
However, if you can obtain additional information which shows the error, you can submit this and I think that the CRA would need to investigate that. (The description of the investigation which he CRA must provide on request might suggest sources of information to check.) But the CRA may dismiss "trivial" and "frivolous" complaints without substantial investigation.
If you knowingly provide inaccurate information in an attempt to secure credit, you could possibly be found guilty of fraud or other crime. This might perhaps be true even in an attempt to secure acess to records. You could say (or better write) something like "The following information is incorrect, but appears in my credit report: ..."
Banks and financial institutions know that credit reports contain inaccuracies, but may not know how common they are, and may not be willing to do their own checking -- that is why they pay credit agencies in the first place, after all. But that will depend on the particular institution, and the kind of transaction involved. The larger the sum, the more independent checking they will probably be willing to do.
I doubt that this sort of error will actually interfere with your receipt of Social Security, but try consulting a social security office.