Dispute comments on CR, but I didn't dispute?

[JMMD]

I checked my CR through our banks credit monitoring service and two accounts, that are both paid and in good standing, show commments that I am dusputing them. I never disputed them, I mean they are paid in ful,l so why would I? Both disputed are showing with Experian only. Last time I checcked my CR with this serice was three months ao and there were no disputes. How hard is this going to be to remoe the commments?

[myjourney]

Should be hard at all

Good luck

[JMMD]

Do I write the CRA and say that I never disputed them or just say that I no longer am disputing them? I am worried if I say that I never dipsuted them, they will investigate and then the dispute comments will stay on longer. We are hoping to buy a home in the spring. Of course one of the disputes is for our last mortgage!

[myjourney]

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@JMMD wrote:

Do I write the CRA and say that I never disputed them or just say that I no longer am disputing them? I am worried if I say that I never dipsuted them, they will investigate and then the dispute comments will stay on longer. We are hoping to buy a home in the spring. Of course one of the disputes is for our last mortgage!

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I would call in and dispute the fact that the comments were added and you've never had a dispute ....should be an easy fix and the fact that they investigate will not make the comments stay longer either way 

To me its just a typo someone entered incorrectly on their end they'll be able to see that you've had no contact with them. 

[JMMD]

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@myjourney wrote:

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@JMMD wrote:

Do I write the CRA and say that I never disputed them or just say that I no longer am disputing them? I am worried if I say that I never dipsuted them, they will investigate and then the dispute comments will stay on longer. We are hoping to buy a home in the spring. Of course one of the disputes is for our last mortgage!

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I would call in and dispute the fact that the comments were added and you've never had a dispute ....should be an easy fix and the fact that they investigate will not make the comments stay longer either way 

To me its just a typo someone entered incorrectly on their end they'll be able to see that you've had no contact with them. 

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ok, thank you! I will call on Monday. I should call the CRA and not the creditor??

[Involver]

Yep, call the CRA.

[RobertEG]

I share your concern about disputing to resolve the issue of no prior dispute.

Kinda a catch-22, as a dispute over an improper dispute becomes a legit dispute, carrying on the potential problem of its removal.

I would, when contacting the CRA, make it clear that you are NOT disputing under the FCRA, but merely asking for their review of a clearly improper dispute flag.

If a dispute flag is still showing, there must have been a prior dispute in your file.  If no dispute shows, then the CRA should delete administratively.

If there is the showing of a prior dispute, the FCRA requires resolution within 30'ish days, so if there is any showing of a dispute that is more than a month of so, they should also remove the pending dispute flag as clearly improper.

If those informal attempts with the CRA get you nowhere, I would file a complaint with the CFPB, based on the reasons above.

[JMMD]

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@RobertEG wrote:

I share your concern about disputing to resolve the issue of no prior dispute.

Kinda a catch-22, as a dispute over an improper dispute becomes a legit dispute, carrying on the potential problem of its removal.

I would, when contacting the CRA, make it clear that you are NOT disputing under the FCRA, but merely asking for their review of a clearly improper dispute flag.

If a dispute flag is still showing, there must have been a prior dispute in your file.  If no dispute shows, then the CRA should delete administratively.

If there is the showing of a prior dispute, the FCRA requires resolution within 30'ish days, so if there is any showing of a dispute that is more than a month of so, they should also remove the pending dispute flag as clearly improper.

If those informal attempts with the CRA get you nowhere, I would file a complaint with the CFPB, based on the reasons above.

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Thanks for the information. I will call tomorrow and see what I can do tomorrow.

[JMMD]

I called exp today and the CS rep said she would delete the dispute comment from my CR. I got an email confirmation and when I looked at the updated report, the dispute comment is gone off the bottom of this TL, but there is a note that says" This item was updated from our processing of your dispute in Jan 2014. " This should be fine then? It shows dispute was closed/removed?

Whats odd is she removed this from mine and when I asked @ my husband's ( joint account)  she asked for his SS# and removed it from his CR too. Then she asked if she could help with anything else, so I asked her @ the other dispuute, which was just on hubbby's and she removed that too.

These were the last two things we needed to clean up off CR, so I hope his is done and we can keep working towards buying a home soon.

[myjourney]

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@JMMD wrote:

I called exp today and the CS rep said she would delete the dispute comment from my CR. I got an email confirmation and when I looked at the updated report, the dispute comment is gone off the bottom of this TL, but there is a note that says" This item was updated from our processing of your dispute in Jan 2014. " This should be fine then? It shows dispute was closed/removed?

@Whats odd is she removed this from mine and when I asked @ my husband's ( joint account)  she asked for his SS# and removed it from his CR too. Then she asked if she could help with anything else, so I asked her @ the other dispuute, which was just on hubbby's and she removed that too.

These were the last two things we needed to clean up off CR, so I hope his is done and we can keep working towards buying a home soon.

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See painless 

Congrats