Why does my report show I disputed when I didn't?

[Mike_B03]

I just got a Score Watch alert and when I logged in, saw this:

Account opened: 7/2011

Description: Consumer disputes this account information
Credit card
Amount in H/C column is credit limit

	Previously reported	Newly reported
Balance:	$0
Past due:	$0	$0
Status:	Pays account as agreed	Pays account as agreed
Last activity:	1/1/2013	2/1/2013
Description:	Credit card Amount in H/C column is credit limit	Consumer disputes this account information Credit card Amount in H/C column is credit limit

Contact: CAPITAL ONE, PO Box 30281, Salt Lake City, UT, 841300281

This is a current account in good standing and I did not dispute it. What the heck do I do to get rid of the dispute? I'm in the process of getting a mortgage and you can't have any disputes on your file.

[Mike_B03]

Ah crap I just realized what it is...

I disputed a charge on my card with the credit card company. That actually shows up on the credit report?! How they heck do I get rid of it?

[awdsmama]

Oh wow I wouldn't have thought disputing a charge would trigger this on a report.  Sorry that happened to you.

Has the disputed item been resolved yet?

I'd contact the creditor asking the remark be removed.....if not right now then as soon as the item you disputed is cleared up for sure!

[Mike_B03]

On the phone now with Capital One.

I had no idea either that a charge dispute would appear on a credit report as "Consumer disputes account information". 

[guiness56]

Yes, when you dispute directly with the CCC they are required by law to report it to the CRAs as disputed.  It doesn't matter that it is only a dispute for a charge.

[Mike_B03]

I ended up cancelling the dispute. It was for $37.00 from a service I disputed that wasn't performed. I'd rather pay the $37.00 than have it mess up my mortgage.

[notyours]

Sorry this happened but I am glad you posted I almost just disputed a $16 charge

[guiness56]

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@Mike_B03 wrote:

I ended up cancelling the dispute. It was for $37.00 from a service I disputed that wasn't performed. I'd rather pay the $37.00 than have it mess up my mortgage.

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Make sure it gets removed from your CR.

[RobertEG]

The actual credit reporting code for disputes is inclusive of both disputes under the FCRA and FCBA.

If one disputes a billing matter under the Fair Credit Billing Act, it is reportable to the CRA.

The problem is that the CRA is not a party to an FCBA dispute, and thus the creditor must take it upon themselves to follow up after the dispute is resolved and notify the CRA of its resolution.  They are legally required to timely update under FCRA 623(a)(2), but requirements dont assure compliance.

[gummiebear]

Yes, glad you posted this info. Had no idea they put on your credit report a charged item you dispute. I would never have thought that was important to credit bureaus. It is almost a full-time job to monitor your credit, financial info. I have something on my credit as a public record have to go to court to have removed. It is like $100 and is a spouse's and I had no idea they were putting this on my credit. Hope they rule in my favor. Will let u know. Does anyone have that life lock service? I'm thinking it might be worth it to get it so I don't get crazy surprises anymore.