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HSBC/Best Buy is listed as follows:
Experian:
Account Status: Closed
Payment Status: Current
Date of Last Activity: 1/2006
Equifax:
Account Status: Transferred
Payment Status: Charge Off or Collection
Date of Last Activity: 1/2006
TransUnion:
Not on Report at all
This account is a good example of my stupidity in my younger years. It was charged off and transferred from one debt collector to another (currently with Midland, and I will discuss that in a separate post).
That said, while it should fall off my credit report in less than a year, I want it off the report now (or more accurately I want it off the Equifax report or reported as it does on Experian)
How would I go about doing that? Do I only challenge the entry on Equifax? Is it a standard debt validation letter? Do I risk having them re-report the entry to all three bureaus?
Thoughts?
Its not a debt validation issue undr the FDCPA, its an issue of accuracy of their reporting under the FCRA.
Pick the one that is accurate, and send them a direct dispute over the accuracy of their reporting of the other. I would not involve the CRA.
As a response to your dispute, they can simply correct their reporting so as to make it accurate. Deletion is not required unless they cannot verify and correct any inaccuracy.