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TL listed at "Disputed"... now what?

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PayYouNever
Frequent Contributor

TL listed at "Disputed"... now what?

Have three accounts listed on my most recent TU report (one from Midland) as DISPUTED BY CONSUMER, do I have 30-Days to hear from the CA and the CRA before I can demand deletion per a FCRA or FDCPA violation? If so, what section of what Act can I list in my "Please Delete Due to Violations" fax?
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2 REPLIES 2
PayYouNever
Frequent Contributor

Re: TL listed at "Disputed"... now what?

bump
Message 2 of 3
Anonymous
Not applicable

Re: TL listed at "Disputed"... now what?

pretty sure it goes something like this;
 
you dispute
cra has 30 days (not unheard of for 45 days for dispute from your annual freebie) from receipt to investigate (ask furnisher to verify).
if the ca/furnisher verifies it stays
if the ca/furnsiher updates new info is noted and fico adjusted
if the ca/furnisher fails to respond, update or validate entry comes off and fico adjusted.
 
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