01-03-2013 04:42 AM
I just received the results of a dispute on my Experian report. Had a couple things deleted, a couple things updated. My question is, this "Important Message" was also listed on there. I'm confused. Thoughts??
Important Message from Experian
PORTFOLIO RECOVERY ASSOCIATES
PLEASE CONTACT CREDIT GRANTOR AT -8664286589-
PLEASE CONTACT CREDIT GRANTOR AT -8007721413-
01-03-2013 09:41 AM
In their Notice of Results of Reinvestigation, how was the dispute itself resolved?
Verified, corrected, or deleted? The CRA must have done one of those three.
In the dispute process, the CRA is required to forward a copy of the dispute to the furnisher of the information, and the furnisher is required to respond back to the CRA.
The CRA then makes a final determination of the dispute based on all information, including the response of the furnisher. They usually rely upon any verification provided by the furnisher as sufficient basis for their own final verification of accuracy.
It appears that something arose in that interchange that the CRA considered significant, and is alerting you to contact the furnisher for more info.
01-03-2013 09:56 AM - edited 01-03-2013 11:14 AM
Hmm. I don't know if it was verified. I assume so. All it says next to those 2 TLs is Updated.But, there are no changes in the TL on the new report versus the old report.
ETA: I just re-read it and it says that Updated means Verified but w changes made. So...I will look more into that! Yikes....