As a responsible collection agency I am concerned about how we can obtain the necessary credit information required for our company to do our services properly. We are required to verify that we are dealing with the correct customer. A credit report in connection with a delinquent credit ageement is one of the only methods that we have for this verification process. May times confusion between Jr. and Sr. family members with the same name make it impossible to proceed without a credit report to determine the correct party. If a freeze is implemented by the debtor, how can ligitimate collection procedures commence.