The CRA extracts your letter, but substitutes your identity with the identity it believes is correct, and THAT profile/header is what goes to the furnisher — not the one you submitted.

It sounds like you're discussing a situation involving the use of credit reporting agencies (CRA) and how they handle consumer information. In this context, if the CRA extracts a letter or any supporting documentation related to a consumer's credit profile but substitutes the identified information with what they believe to be accurate, it could lead to some significant issues. Here are a few points to consider:

**Identity Integrity**: Identity verification is crucial in credit reporting. If a CRA substitutes the identity on a letter with incorrect information, it can lead to misrepresentation of credit history, affecting creditworthiness.

**Dispute Process**: When consumers dispute inaccuracies, they often submit documentation to support their claims. If the CRA sends an altered version to the furnisher (the entity providing the credit information), it might not accurately reflect the consumer's situation.

**Implications for Furnishers**: Furnishers rely on accurate information from the CRA. If they receive incorrect data about a consumer's identity, it can lead to incorrect account updates, potential misreporting, or even legal issues for either party.

**Consumer Rights**: Under the Fair Credit Reporting Act (FCRA), consumers have the right to dispute inaccurate information. If a consumer believes there has been an error in how their identity or information was handled, they should consider contacting the CRA to clarify the situation and possibly initiate the dispute process again.

**Documentation**: Keeping thorough records of all communications with CRAs and furnishers is essential. If issues arise from identity substitution, having evidence will support a consumer's case for correction.

**Seeking Assistance**: If this situation leads to unresolved issues, consumers might want to seek advice from a credit counselor, an attorney specializing in consumer rights, or a similar advocacy organization.

If this is a specific situation you're experiencing or have questions about, please provide more details for personalized advice or recommendations.