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Dispute

New Contributor

Dispute

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
Message 1 of 18
17 REPLIES
Community Leader
Legendary Contributor

Re: Dispute

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.

Message 2 of 18
New Contributor

Re: Dispute

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
Message 3 of 18
Frequent Contributor

Re: Dispute

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.


Message 4 of 18
New Contributor

Re: Dispute

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?
Message 5 of 18
Frequent Contributor

Re: Dispute

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.


Message 6 of 18
New Contributor

Re: Dispute

Thanks, I found email address. Would that be appropriate? Thanks so much
Message 7 of 18
Frequent Contributor

Re: Dispute

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


Message 8 of 18
New Contributor

Re: Dispute

Thanks! Sent email and sending letter.
Message 9 of 18
New Contributor

Re: Dispute

Sent 2 emails to CO and 2 Letters to CO. Also sent 3 letters to 3 different PO boxes in SD office.
Message 10 of 18