Can a CRA do this?

[Anonymous]

Doesn't the fact that they made the changes public knowledge for this person hold accredibility to anything?

Wouldn't that be considered false reporting on the credit reporting agency's part?

I may be new but I have been reading every piece of information I can get my hands on and something about these actions doesn't seem right.

[Junejer]

Hi mudbug. I would say that EQ was fine with how they did things. They have a full 30 days to respond. In the meantime, there could have been other items that updated on the report, giving OP reason to get a SW alert or to pull credit and find out what happened that way.

[Anonymous]

I see, now if they would have deleted it while in dispute then they could have hung the agency on a short rope right?

I surely see why this person was upset, I would have been upset to see something of that nature be updated that way and then changed back to.

I am going to go do some more research there has to be something that can help this poster.

[Junejer]

If they had removed it and then put it back on after dispute, I would say OP would have a great case, but being within the dispute timeframe, they were fine.

The thing is that that's the way it is. TLs are taken out of the scoring formula during a dispute. There is nothing that we can do about it. It's how it is.