I am going to suggest you do a direct dispute with the CA under FCRA 623(a)(8). This puts the burden on them to investigate and correct/delete any errors. They will have 30 days to complete the investigation and report directly to you. If they do not, they are in violation of the FCRA and other avenues can be taken to get the TL removed, such as filing a complaint with the FTC.
Here is a template to use. Leave the paragraphs that are bold black. The one in red is because it is a CA reporting. Make sure you include that blurb. The rest of it is in blue and applies in general. Be as detailed as possible and include identification etc. to back up your claim.
“This is a Notice of Direct Dispute with you, under the provisions of FCRA §623(a)(8)(D), of the accuracy of information you have reported to my credit file.
This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA §809(b)
“In compliance with FCRA §623(a)(8)(D), and enacting regulations published at 16 CFR § 660.4, this Notice of Direct dispute includes:
“Identification of the specific information being disputed: (specify the account number, and the specific information that is disputed under that identifying account)
“Basis for the dispute:
(how the reporting was inaccurate; was any reporting in violation of any statutory or regulatory provisions? account or express agreements? CRA reporting gudelines? Account not yours? etc.)
“Supporting documentation:
(all documents that support your dispute; it is recommened to also include, as part of your documentation, at least a copy of the portion only of your recent credit report showing their reporting of the disputed information was actually reported to your credit flle. The implementing rule suggests a showing that it appeared in your credit report)
