The dispute processes under the FCRA, namely the dispute process under 611(a) through the CRAs and the direct dispute process under 623(a)(8), are rights of the consumer. AU status is a peculiarity of credit reporting that permits accounts of a consumer to report to the credit files of individuals who are not the consumer.
Thus, an AU has no dispute rights as to information reported to the consumer's credit file, and carbon-copied over to their AU "account." based on their AU status.
When an AU status is terminated, all reference to the consumer's account terminates from its carbon-copy inclusion in the authorized user's credit file. It is unnecessary to assert "account not mine," as, by definition, it never was yours. It is only "yours" to the extent that you permitted it to be cc;'d to your CR under the AU status process.
If an AU status is terminated, then they can only continue to include any information related to that account in your CR if you are actually a designated consumer responsible for that account. At that point, you could dispute its inclusion in your CR. This would not be a dispute as to the accuracy of information reported under the account, but rather a dispute as to your status as having any responsibility for the account, or any status as an authorized user. When a party reports information directly to your credit file, they must provide an ECOA code designating your legal responsibility for the account, such as sole, joint, or "maker" (one responsible for the debt should the primary on the account default). They cant do this for an AU account, and thus your dispute would be directed to inaccuracte reporting of your legal account responsibility. If you have to resort to that level in order to get it removed, it would not be a conventional dispute pertaining to individual items of information reported under the account.
