This is what I suggest.
Dont dispute with the CRA.
Dispute directly wih your credit union as follows:
"This a direct dispute with you, under the provisisons of FCRA 623(a)(8)(A), for reporting of inaccurate information to my credit file, as detailed below.
My dispute is reporting of prior delinquencies on my account with you to the credit reporting agencies, that you have denied having been reported.
I request deletion of the disputed derogatory reporting you have made to the credit reporting agencies.
"I request that you consider this notice of direct dispute, and respond to me, in writing, within 30-days of the date of this dispute, as mandated under FCRA 623(a)(8)(E).
"Following are the contents of what is requried to be provided to support this Notice Direct Dispute:
1. My name and account identtification number:
(insert name and account number)
2. Identification of the specific information being disputed:
(odentify the 30-day, or any other lates, reported to your CR)
3. Documentation to support reporting of these purported delinquencies to my credit file:
(attach the relevant portions of your most recent CR that documents their reporting)
"Having provided the required documentation to support my direct dispute your obligation is to:
- review all information provided by the consumer with the dispute notice;
- conduct a reasonable investigation with respect to the disputed information;
- complete the investigation and report the results back to the consumer
within the same period as required for disputes under FCRA 611(a), which
is 30-days from the date of the notice of dispute; and - if the information is found to be inaccurate, promptly notify each
CRA to which the furnisher provided inaccurate information of that
determination, and provide to the CRA any correction of that information
required to make it accurate."
