Creditor

[Anonymous]

A creditor sent me information by mail with wrong info on it can i send the letter to the credit bureaus along with a letter explaining the information is not accurate

[Anonymous]

Could you expand on this with what is incorrect and the context of what you’re trying to do? Are you looking to correct your reports? Or have the listing deleted?

[Anonymous]

The amount and date was wrong and i want to get it deleted useing what the creditor sent me is it possible

[Remedios]

It's possible to get it corrected to reflect actual amounts and dates
You're free to dispute, but it's possible it wont lead to deletion. Instead, the actual data will be reflected and your score will tank again.
That's the risk one assumes when disputing legitimate negatives.

[RobertEG]

Filing of a dispute requires that you identify the specific inaccuracy, and the dispute is then limited to the investigation of that item(s) of information only.

The credit reporting agency (CRA) must forward a copy of the dispute to the creditor, who must investigate the accuracy and respond back ot the CRA by either verifying the accuracy of the reported information, or correctting the information so as to overcome any agreed inaccuracy.

If the disputed item(s) of information are not either verified or corrected, the CRA must delete that item of information only.

Deletion does not extend to other information or to the entire account.

If you are asking whether the creditor or CRA must delete the entire account based on an inaccurate date or amount of a reported balance, the answer is no.  

[Anonymous]

Thank you