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If the consumer has filed a dispute AND the furnisher has positively stated that they cannot verify, then they must delete.
FCRA 623(b)(1)(D) requires that the furnisher must report a deletion based on lack of verification or correction to ALL CRAs to which they have reported the disputed information.
Thus, the criteria is whether the information is admiited as being unverifiable. If it is, then reporting deletion back to only the CRA handling the dispute is not sufficient.
A BBB complaint does not qualify as a dispute, and invokes no requriments under the FCRA regarding credit reporting or deletion.
However, note that it is rare for a furnisher to actually admit lack of verification. Normally, they will simply delete with the CRA handling the dispute, and leave the reason unspeciied. Thus, in the vast majority of cases, a furnisher is not requried to delete with other CRAs, and the consumer would then be required to also dispute via the other reporting CRAs.