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Posts: 81
Registered: ‎03-26-2012
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Reported Differently On All 3 Reports .... Only Bad On One ... Ideas Needed

HSBC/Best Buy is listed as follows:



Account Status:  Closed

Payment Status:  Current

Date of Last Activity: 1/2006



Account Status:  Transferred

Payment Status:  Charge Off or Collection

Date of Last Activity: 1/2006



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?



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Epic Contributor
Posts: 29,741
Registered: ‎03-19-2007
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Re: Reported Differently On All 3 Reports .... Only Bad On One ... Ideas Needed

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.

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