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Hello,
Anyone have any luck with 623s? I sent a bunch out yesterday for some old baddies. Approximately 6 years old. Some close to 7.
A letter under FCRA 623(a)(8) is a direct dispute, filed directly with the party who furnished the information to the CRA.
The furnisher is required to mail a notice of results of their investigation back to you within 30'ish days after your dispute, provided that you met the basis requirements for a direct dispute which include identification of the information that is asserted to be inaccurate, and adequate showing of how the reporting is inaccurate.
However, if you did not support a showing of an inaccuracy, they can dismiss the direct dispute without any investigation.
Did you clearly document a specific inaccuracy?
If so, then you will receiver a reply within approx 30 days plus mailing time.
The outcome will depend upon whether there is an error.