How to dispute same error to all 3 bureaus ?

pat0812 · ‎02-20-2015

I'm trying to fix errors on my report and wanted to know how I can dispute to all bureaus the same error.

For an example I had Transunion delete a Nordstrom account that had late payments because I was only an authorized user, they deleted it within 24 hours.

Now do I have to make a dispute again to experian and equifax?

Do I have to explain them the same thing all over again ?

Is this also correct for any future disputes?

At the moment I'm disputing an account in collection that is not mine (with experian).

If I get this collection to be deleted do I need to resend 2 disputes to the other CRA and explain the issue from the start and they will investigate all from scratch or is it sufficient to mention that experian already investigated and they deleted it ?

I'm just trying to figure it out.

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Anonymous · ‎02-20-2015

@pat0812 wrote:
I'm trying to fix errors on my report and wanted to know how I can dispute to all bureaus the same error.
For an example I had Transunion delete a Nordstrom account that had late payments because I was only an authorized user, they deleted it within 24 hours.
Now do I have to make a dispute again to experian and equifax?

Do I have to explain them the same thing all over again ?

Is this also correct for any future disputes?
At the moment I'm disputing an account in collection that is not mine (with experian).
If I get this collection to be deleted do I need to resend 2 disputes to the other CRA and explain the issue from the start and they will investigate all from scratch or is it sufficient to mention that experian already investigated and they deleted it ?

I'm just trying to figure it out.

Yes,you have to individually dispute with each credit bureau. They don't really care what the other ones do.

CH-7-Mission-Accomplished · ‎02-20-2015

Each credit bureau is different so you have to dispute with each.

Sometimes when an original creditor makes a correction or deletion, they will transmit it to all three bureaus on their own.

RobertEG · ‎02-20-2015

If the furnisher of the information, be they a creditor or debt collector, determines that the information is in fact inaccurate, and either needs correction or deletion, they are required to report that same determiantion to all credit reporting agencies to which they have also reported the information, and not just the CRA that is handling the dispute.

The intent of the statute is to avoid plural disputes on the same issue if the furnisher agrees with the dispute.

See FCRA (b)(1)(D).