09-25-2012 11:42 AM - edited 09-25-2012 02:13 PM
So I just pulled all three of my CR's. I have a collection from an apartment complex from when I broke lease when I bought my house last year. On both TU and EQ they have it classified as "Cable/cellular". I paid both cable and my cell directly to the provider and just switched these both to the new address, so I know I do not have a balance. Does this inaccuracy hold any water to get this deleted?
09-25-2012 03:37 PM - edited 09-25-2012 03:40 PM
In any dispute, the furnisher always has three options under FCRA 623(b):
1. verify the accuracy of what was reported;
2. correct the information so as to make it accurate; or
3. if neither of steps 1 or 2 is taken, the information must then be deleted until the furnisher does one of those things.
Inaccuracies alone are never a basis for compelling deletion of inaccurately reported information.
The reporting reqirement is that information not be reported that is knowingly inaccurate. Statute cannot compel accuracy in human actions.
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