I would advise sending separate disputes for each item of information that is considered inaccurate.
I would limit each dispute to one item of information that is asserted to be inaccurate.
Examples of my reasoning include:
1. Each asserted inaccuracy could separately be held to not provide sufficient basis for dispute, and thus be dismissed without investigation. The statute does not provide for partial dismissal of a dispute, and a determination as to other issues, and
2. your dispute must be forwarded to the furnisher of the disputed information, and if lumped with other items/furnishers, could create a clerical problem with the CRA, and
3. the reinvestigation must be concluded within 30 days of filing of the dispute. With some furnishers responding and others not, the CRA would have a problem in both determining any required deletions, and conveying those to the consumer, while partially verifying or correctng other items.
As for reporting of the account that showed a charge-off, neither thte taking of a CO nor sale of the debt requires deletion of an OC account. The CO is a totally separate derog, and the sale requires update of debt balance to $0, not dleltion of their account. They can continue to report, or reinsert the reporting if previously deleted. The purchaisng debt collector can also report, showing their collection along with the balance they are authorized to collect.
The separate issue of debt not mine requires a decision on your part as to whether you are willing to put that assertion into a sworn police report.
If willing to take that step, you can send that police report to the CRA and get any information related to the asserted identity theft blocked from your credit report under the provisions of FCRA 605B, The details of their reporting, whether accurate or not, would thus no longer have any impact on your scoring.
