09-23-2012 11:10 AM
I received an email saying my Experian dispute is finished and that I can view it now. While reviewing it I was shocked! Midland deleted!! They were reporting inaccurately and I've tried so many ways, this being the second or third dispute with them. And now they are gone off of my Experian report!! I wish I had a way to find out what my true Experian score is!!
My question now is, since it deleted off of Experian will it delete off of the other two as well? Or should I try to dispute the other two also?
09-23-2012 11:13 AM
This delete off of Experian leaves my Experian report with one paid collection and one account with a late! I finally feel like I'm getting somewhere!
09-23-2012 12:41 PM - edited 09-23-2012 12:43 PM
Sad to say but Midland will put this collection/factoring account back on and it will actually lower your score. They did they same thing when I disputed all 3 credit bureaus. MCM deleted them all for about 3 months and then put them right back on, incorrect information and all. I've even tried to re-dispute, it remained. I contacted and disputed through BBB and they fought back/won. UGH!
For your sake, I do hope that it remains deleted for you...but honestly I think it's wishful thinking.
09-23-2012 01:06 PM - edited 09-23-2012 01:09 PM
If, upon resolution of a dispute filed through one CRA, the furnisher is either unable to corrrect or verify the accuracy of the disputed information, and thus deletes as the result of the dispute, it is not sufficient for them to report that result only to the CRA handling the dispute.
FCRA 623(b)(1)(D) requires that they additionally report that result to "all other consumer reporting agencies to which the person furnished the information."
Thus, you dont have to file the same dispute with each CRA. It is the furnisher's responsiblity to resolve it with each CRA.
I would file a direct dispute with the debt collector, with the basis of the asserted inaccuracy being its non-compliance with section 623(b)(1)(D).
I suggest a direct dispute as opposed to filing through the CRA, as it is solely the furnisher's acts that are at issue, and I see no need to bring the CRA into the picture, muddling it through their e-Oscar process.
With their deletion having come about as the result of a dispute, they cannot simply have their collection reinserted by simply reporting.
As a pre-condition to any reinserted, they are required to first provide a certification of its accuracy to the CRA, and the CRA must accept that certification before they are permitted to reinsert the deleted information. FCRA 611(a)(5)(B).
09-23-2012 01:16 PM