What exactly was the inaccuracy that formed the basis for your dispute?
Many consumers have the expectation that any showing of inaccuracy requires deletion of the information.
The dispute process only mandates deletion if the information is not verified as being accurate as reported and also cannot be corrected so as to overcome the asserted inaccuracy. Additionally, any deletion would only apply to the specific information that was disputed, and not necessarily to the entire account or collection.
In most disputes, the consumer asserts how the information should be reported as the basis for showing of inaccuracy in the current reporting.
Thus, if the info is not verified, then the CRA can simply update to show the info as asserted by the consumer without any need for deletion of any information.
Before contesting the finding in the prior dispute, I would consider what exactly was inaccurate, and whether that inaccuracy was properly handled by the CRA.
Deletion is not the only required outcome.
What was disputed, what was the finding of the CRA as to its specific accuracy, and how was the reporting updated?
