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.
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.
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.