Re: PFB added a payment I did not make
01-31-2013 01:17 PM
I would not accuse them of any nefarious reason in their reporting. The simple fact is that you did not make the payment, and thus the reporting was inaccurate.
I would not dispute through a CRA. I would send them a direct dispute under FCRA 623(a)(8), thus assuring that they receive any accompanying documentation and respond directly to you.