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@Anonymous wrote:You can certainly dispute the information if it is reported inaccurately, however, the notification advising you that an institution will report information [positive or negative] to a credit bureau is usually stipulated in your cardholder agreement and or/installment agreement. I don't believe any other notification is required..
@Anonymous wrote:I don't know for sure but if your account was charged off before the Act was enacted, then I would bet it would not apply to that particular account but I could be wrong.
MercyMe wrote:Dispute on, people. But if at all possible, do it in writing, sending copies of documentation to support your dispute, along with a request that their MOV be provided to you, upon completion of their investigation, as it would just seem to me, after all this time and countless disputes, that if you dispute electronically, you'll get an electronic investigation, which will, more than likely, come back verified. Any comments, Barry?
While I'm far from an expert on the FCRA, I'd have to agree with dazednconfused.Barry