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The issue is with the city and not the CRAs. You need to go in and prove you sold the vehicle and it was not in your possession at the time. They go by the last registered person so until you prove otherwise it can stay on your report. Once you prove it wasn't your vehicle any longer they should have them removed from your CR.
They don't have to delete it unless it cannot be verified. Even if it is deleted though a dispute, if anyone tries to put it back on your report, which can happen, the CRA would need to certify it was valid then notify you within 5 days.
There is no law that requires you to be notified before placing a TL on your CR.
My concern and question is really this, I have already disputed the collection through EQ and it came back deleted from my credit report. I had disputed it with TU at the same time but TU has no record of the dispute. The collection is still being reported to my TU report and is no longer reporting to my EQ report. My question is since it has been disputed and deleted on EQ do you think that a phone call to the CA will be successful in having the collection removed from TU since they have already deleted it from EQ?
You can try.
But the way a dispute through the CRAs works doesn't mean the CA deleted it. It means that the CRA could not verify it. If that is the case and you contact the CA it could end up back on all of the reports.
I don't know, I have disputed a few baddies in my day and I have never had one come back after a CRA has deleted from the the file. I think that if it removed by dispute through a CRA it is gone for good. The debt even if sold will not be able to be reported. If anyone else Knows for sure about this rule please join in.. But thanks for your thoughts I will consider them...
They can be gone for good. However, the FCRA is clear that if an item is removed due to a dispute and lack of verification, the TL can be reinserted if the CRA certify the debt is valid.
And yes, even if sold it could be reinserted.
FCRA 611 Procedures in Case of Disputed Accuracy
by the consumer for that purpose, by any other means available to th