https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492890#M197299 <P>No, you send it to the creditor.</P><P>It is the creditor's responsibility to correct/delete the disputed information.&nbsp; The statute quite simply states that correction/deletion with the CRA that handled the dispute is not sufficient.&nbsp; They must correct with all CRAs to which the information has also been reported.</P> Sun, 15 Jul 2012 01:40:32 GMT RobertEG 2012-07-15T01:40:32Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492420#M197228 <P>Equifax removed a huge charge off that has been haunting me for YEARS! Is there anyway I can use that as leverage to get Transunion and Experian to remove the account? The account is a old car loan that was showing chargeoff, with a $15,000 balance.&nbsp; Any advice would be greatly appreciated.</P> Sat, 14 Jul 2012 18:18:50 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492420#M197228 Anonymous 2012-07-14T18:18:50Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492542#M197240 <P>Nope. The CRAs don't care what the other reports.</P> Sat, 14 Jul 2012 19:54:52 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492542#M197240 llecs 2012-07-14T19:54:52Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492590#M197251 <P>If the removal resulted from a dispute, then the creditor was required to have reported any correction or deletion to all CRAs to which the information was reported.</P><P>No, the CRAs arent responsible for notifying each other, except for identity theft issues.</P><P>The responsibility is placed on the furnisher of the information.</P><P>&nbsp;</P><P>Was the deletion based on the finding in a dispute, or was it a GW deletion?</P> Sat, 14 Jul 2012 20:36:26 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492590#M197251 RobertEG 2012-07-14T20:36:26Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492710#M197277 <P>As already mentioned, just because 1 CRA does someting doesn't mean the others will.</P><P>&nbsp;</P><P>You said it had been haunting you for years? Was it removed due to age?</P><P>&nbsp;</P><P>Did you initiate some kind of action that resulted in it being removed?</P> Sat, 14 Jul 2012 21:34:42 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492710#M197277 Anonymous 2012-07-14T21:34:42Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492732#M197281 Yes it was based off a dispute I submitted to Equifax. Sat, 14 Jul 2012 21:49:14 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492732#M197281 Anonymous 2012-07-14T21:49:14Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492734#M197282 <P>Send them a letter reminding them of their responsibility under FCRA 623(b)(1)(D):</P><P>&nbsp;</P><P>"if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information"</P> Sat, 14 Jul 2012 21:54:39 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492734#M197282 RobertEG 2012-07-14T21:54:39Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492812#M197294 I'm sorry I don't mean to sound dumb. But I want to make sure I understand correctly. You are saying send a letter to Trans union and Experian stating the FCRA law and do i include a copy of Equifax deletion? Sat, 14 Jul 2012 23:44:34 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492812#M197294 Anonymous 2012-07-14T23:44:34Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492890#M197299 <P>No, you send it to the creditor.</P><P>It is the creditor's responsibility to correct/delete the disputed information.&nbsp; The statute quite simply states that correction/deletion with the CRA that handled the dispute is not sufficient.&nbsp; They must correct with all CRAs to which the information has also been reported.</P> Sun, 15 Jul 2012 01:40:32 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1492890#M197299 RobertEG 2012-07-15T01:40:32Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1622588#M210417 Can you pm me the process of how you got your charge off deleted? I have a similar situation. Wed, 03 Oct 2012 12:54:18 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1622588#M210417 Anonymous 2012-10-03T12:54:18Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1622608#M210421 <BLOCKQUOTE><HR />@Anonymous wrote:<BR />Can you pm me the process of how you got your charge off deleted? I have a similar situation.<HR /></BLOCKQUOTE><P>Sounds like he just disputed it with Equifax...</P> Wed, 03 Oct 2012 13:10:27 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EQ-removed-it-will-the-other-two/m-p/1622608#M210421 novabama 2012-10-03T13:10:27Z