topic Re: Dispute in General Credit Topics

Dispute

Anonymous — Wed, 07 Mar 2018 21:53:17 GMT

How in the world can you file a dispute with Experian and company removes late payment, no dispute filed with trans Union same company removes late payment, file dispute with EQUIFAX won't remove? Ridiculous

Re: Dispute

RobertEG — Wed, 07 Mar 2018 22:45:53 GMT

When you file a dispute over a reported delinquency, the CRA refers the dispute to the creditor for their investigation and action.

The creditor can then determine that the reporting is accurate, and verify (i.e., no correction or deletion) with one or more CRAs, and voluntarily choose to delete the reporting with others. Deletion with one or more CRAs thus may not occur because the creditor agrees that it is inaccurate, but rather simply because they have voluntarily decided to cease its reporting with that CRA.

If deletion occurs as a result of a CRA finding that it cannot be verified, then they will issue a formal Notice of REsults of Reinvestigation providing that specific finding, and providing a revised credit report that shows that they (the CRA) has done the deletion.

If the creditor decides to voluntarily delete prior to conclusion of the reinvestigation, the CRA receives nothing and the dispute is terminated as moot based on the removal of the disputed information from the consumer's credit file.

Bottom line is that it can be proper for a dispute to result in deletion of the disputed information from only one or two, but not all three, CRAs.

Re: Dispute

Anonymous — Wed, 07 Mar 2018 22:49:16 GMT

Thanks. Dispute was filed with Experian and Equifax. Creditor responded to both, no late payment with Experian and late with Equifax. Trans Union they voluntarily sent that to update as no late. Doesn't make sense. Scared to call Citibank in fear they turn around and put back on other 2

Re: Dispute

Anonymous — Fri, 09 Mar 2018 15:46:32 GMT

How late were you? How often? Are you now current and in good standings with Citi? If yes to the last question, write to EO and explain this one a one time issue and won't happen again and ask for the late payment to be deleted.

Re: Dispute

Anonymous — Fri, 09 Mar 2018 15:50:09 GMT

30 days and never late before in 35 years. It was $8. They initially removed from trans Union but now it's back on. Don't understand. Experian even has reported response from them removing. Sorry, what is EO?

Re: Dispute

Anonymous — Fri, 09 Mar 2018 15:58:29 GMT

Executive Office. The higher up you go the more likely someone will have mercy on you. $8 to a $12 an hour clerk is a lot of money. Some VP making $200K's it is nothing.

Re: Dispute

Anonymous — Fri, 09 Mar 2018 16:00:29 GMT

Thanks, I found email address. Would that be appropriate? Thanks so much

Re: Dispute

Anonymous — Fri, 09 Mar 2018 16:05:02 GMT

A lot of people utilize the email system. I prefer snail mail, BUT, I'd give it a try. Good luck. Keep us posted.

Re: Dispute

Anonymous — Fri, 09 Mar 2018 16:27:37 GMT

Thanks! Sent email and sending letter.

Re: Dispute

Anonymous — Sat, 10 Mar 2018 14:53:48 GMT

Sent 2 emails to CO and 2 Letters to CO. Also sent 3 letters to 3 different PO boxes in SD office.

Re: Dispute

Anonymous — Sat, 10 Mar 2018 22:25:27 GMT

Good plan of attack

Re: Dispute

Anonymous — Sun, 11 Mar 2018 17:17:12 GMT

Update: I emailed CO about noon on Friday, apparently they called at 2pm and left message on our home phone (we don't check that phone often). Lady stated "they received my letter and would have a resolution by no later than March 23rd. Said I could call if had any further questions." Not sure if good sign or not. Hopefully doesn't create more issues. Thanks!

Re: Dispute

Anonymous — Sun, 11 Mar 2018 23:15:18 GMT

Please post the results and if another step is necessary

Re: Dispute

Anonymous — Tue, 13 Mar 2018 19:20:50 GMT

Definitely, as of today haven't seen any change. Hopefully they will understand and correct.

Re: Dispute

Anonymous — Wed, 14 Mar 2018 23:04:31 GMT

Getting close to a week since CEO responded, but no change yet. Not sure if it would have showed up yet if correction was sent in to remove.

Re: Dispute

Anonymous — Thu, 15 Mar 2018 14:41:05 GMT

K, I'm very confused. My Equifax went back up 50 points however the negative late payment still shows. Citibank updated record but shows in remarks "customer disputes after resolution". Went from 764 to 819. Can't figure out how score went back but negative still there. Could it be that it's not finished updating report?

Re: Dispute

Kree — Fri, 16 Mar 2018 14:28:03 GMT

This is a hypothesis i've been working on, so take it with a grain of salt.

I believe that there are 3 states for monthly reporting. On time, not reported, and late.

On time is good

Not reported is good

late is bad.

I believe though that the "not reported" is simply a blank field. A null if you will. And I believe that if a month previously had a "on time" or a "late" reported, the null does not always override the previous reporting properly.

So your score is calculated as having no lates, but whereever you are looking at the report still has the old information.

The same can happen the other direction. A late is rerecorded as "not reported", but the actual scoring is still low because the 30d information wasn't overwritten properly.

Re: Dispute

Anonymous — Sat, 17 Mar 2018 14:29:42 GMT

I had sent email to CEO, but resulted in negative comment on credit report. I had also sent letters to address on credit report for the company and now have received an email requesting us to call to get additional details "Additional information is required". After the first response not sure if we should call. Would it be a good idea to follow up on this letter? Thanks