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A USBC account was deleted off two of my credit reports when disputing. I'm not sure if they couldn't verify the account or what the reason was, but I would like it to come off my Equifax as well (which seems to be more difficult thant the other two.)
So I do believe that I owe the debt, but I'm not sure how to go about getting it removed from Equifax. Do I now offer a PFD for the last one to be removed or can I simply ask them to delete it given that the other two already have? Not sure if that would work. I would just like to see it gone off of all my reports.
Suggestions?
I presume your dispute was filed with a CRA?
If information is deleted based on lack of verifiability of a dispute, the furnisher is required to notify all CRAs to which they have reported the disputed information of any deletion or change required to address the dispute. FCRA 623(b).
What was stated in their letter resolving the dispute?
You can send them a letter reminding them of their reporting responsibility to all CRAs under section 623(b) if lack of verifiability is their reason.
I presume your dispute was filed with a CRA? Yes, it was disputed with a CRA
If information is deleted based on lack of verifiability of a dispute, the furnisher is required to notify all CRAs to which they have reported the disputed information of any deletion or change required to address the dispute. FCRA 623(b). Equifax came stating that the acct. was verified - which I find odd if the others deleted it.
What was stated in their letter resolving the dispute? My report doesn't even say why - it just states that this account is deleted on TU and EX. So I'm not sure if I should go this route (below), or if I have to do a PFD on the last one? But, if I try that, will it open a can of worms?
You can send them a letter reminding them of their reporting responsibility to all CRAs under section 623(b) if lack of verifiability is their reason.
I've got a second account that had the same thing happen - it was deleted from TU & EX but Equifax just came back and said it was verified - which I never disputed that it was my account. This one was actually paid two years ago and they stated on my report that I had settled - when I didn't. So I asked that they change it to reflect paid in full - but TU and EX just deleted it and it stayed on EQ. Because I had paid this one, I sent a letter to AFNI (the creditor) asking them to also remove it from EQ. But, because I do have a balance on the USBC account, I didn't think that would work so I haven't sent them anything.