Epic Contributor
Posts: 20,195
Registered: ‎03-19-2007
Re: I Have A Delete Letter - What Would You Do?

All furnishers have a statutory obligation under FCRA 623(a)(2) when reported information has been determined to be inaccurate to "promptly notify the consumer reporting agency of that determination, and to provide to the agency any correction to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate..."


That places the entire burden on the furnisher to report any changes/corrections direclty to the CRA.  Statements of accuracy or inaccuracy in informal correspondence does not discharge that obligation.  Consumers and CRAs, under the FCRA process, are not expected to have to dispute if the information is acknlwledged to be inaccurate.


That is a waste of time and effort by all.