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New Contributor
Posts: 137
Registered: ‎02-22-2013
0

EX removed but TU didn't

What do you do when one CB deletes a TL from a dispute but another doesn't? 


Starting Score: 595 (2/22/13)
Current Score: FICO 624 (4/22/2014)
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Regular Contributor
Posts: 246
Registered: ‎02-27-2013
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Re: EX removed but TU didn't

I'm interested in the responses to this - I had the same happen.  EX deleted 2 weeks into the dispute time frame of 30 days or so, while TU and EQ verified within the same week.

Start: (2-26): EQ 602 (Myfico) TU 579 (Credit Karma) EX 634 FAKO
Current: (7-12): EQ 690(myfico) WalmartTU 696 EX 689 (lender 6-3)
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2nd Goal: 725 across the board
Epic Contributor
Posts: 23,347
Registered: ‎03-19-2007
0

Re: EX removed but TU didn't

It should be reported to all CRAs, but that assumes the furnisher complies with the FCRA.

It is not the CRA responsibility to notify other CRAs, it is the furnisher's responsibility to do so.

 

FCRA 623(b)(1)(D) requires a furnisher to report the same results of their investigation of a dispute to all CRAs to which they have reported the disputed information, not just the CRA handling the dispute, if the disputed information is found to be incomplete or inaccurate.

 

I would make an informal call to the furnisher and remind them of their obligation under section 623(b)(1)(D) to report the results of the dispute to all CRAs to whom they have reported.  If that does not result in timely update, then send them a direct dispute, requiring action within 30 days.

 

 

New Contributor
Posts: 137
Registered: ‎02-22-2013
0

Re: EX removed but TU didn't

Unfortunately the furnisher is Marauder Corp and they do not answer the phone or seem to have a valid address. They are a really sketchy place. 


Do you think TU used an automated verification and that's why it just came back as verified? Where as it seems like EX actually investigated. 


Starting Score: 595 (2/22/13)
Current Score: FICO 624 (4/22/2014)
Goal Score: 700

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Established Contributor
Posts: 861
Registered: ‎08-13-2011
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Re: EX removed but TU didn't

Send Transunion an MOV   method of verification,ask who they spoke to in verifying the account, they then have 15 days to repond.  Best wishes!





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

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Epic Contributor
Posts: 23,347
Registered: ‎03-19-2007
0

Re: EX removed but TU didn't

[ Edited ]

All of the CRAs use an automated system called e-Oscar for virtually alll of their disputes.

They forward the dispute to the furnisher, who is required to respond back to the CRA prior to expiration of the CRA's period for reinvestigation.

The form of transmission is not the issue, and their response back to the CRA is required if they wish to either corrrect their reporting or verify that they consider it to be accurate as reported.

If they failed to respond back to the CRA, they are in violation of their requirement to do so within the CRA's reinvestigation period.

If they deleted rather than responding, that is non-verification to the CRA.

If they responded that they could not verify, they were requried to have made the other CRAs aware of that finding.

 

They can always provide verification at a later time and have their reporting reinserted, but for now, they have an obligation to delete with all the CRAs.

 

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