Disputed account accuracy due to no contract with third party

[Anonymous]

Hi, I need help understanding something.

I disputed a information from a group called Diversified Consultants on my credit report. They are a third party for ATT Wireless. They closed the account, but it's still on my credit report. They have closed the account before and reopened it NOT relating to a dispute for whatever reason so my concern is that this may just be one of those times and the timing is off. However, this time they notated it with  "Account information disputed by consumer, meets FCRA requirements."  What does this mean? Does this mean that MY DISPUTE meets Fair Credit Reporting Act requiements and that's why they closed it, and if this is the case aren't they supposed to completely remove it?

Or does this mean that I disputed it, but the account does meet FCRA requirements because it has been proven accurate, and in that case why did they close it?

I had no idea where to post this so I posted it here. 

[RobertEG]

That is the standard statement that your dispute has been concluded, and the CRA has complied with the dispute resolution by sending a Notice of Results of Reinvestigation that either verifies the accuracy as reported, corrected the asserted inaccuracy, or deleted the unverified information.

Diversified Consultants is a debt collector specializing in collections in the telecom industry.

They are, as a third party debt collector, assigned collection authority by the business that the consumer contracted with, and thus by definition the consumer has not signed any contract.  It is unclear as to how simply being a third party debt collector is basis for a dispute of the acccuracy of their reporting.

Can you clarify?

[Anonymous]

Thanks for the reply. I did not state my reason for disputing them. I wasn't saying I disputed them because they are a third party. I wanted my post to be as clear as possible so I stated that they were a third party for ATT in case anyone didn't know.

But I'm still confused. If they closed the account does that mean that they have not proven accuracy?

[RobertEG]

Any collection has a status of either open or closed.

Closed means that, for some reason, they have discontinued collection on the debt.

If the discontinuance of collection activities is due to the termination of their collection authority, such as by cancellation of assignment by the original creditor if the debt collector does not own the debt, or by sale of the debt if the debt collector does own the debt, update to closed is mandatory.

However, it the debt collector discontinued collection activities but still retains collection authority, then update to closed and then back to open could be proper.

An example would be receipt of the debt collector of a timely DV.

Receipt of a timely DV automaticially imposes a cease collection bar on a debt collector, which remains in effect until such time as they send validation.

While debt collectors will not usually report closing of their collection activies based on a timely DV, they could choose to do so, and then later reopen their collection once they send debt validation.

Deletion of a collection is mandated under CRA policy if the debt remains unpaid and the debt collector's collection authority has been terminated.

There is no such requirement based only on reporting that a collection has simply been closed.

The consumer would additionally need a showing of actual termination of any collection authority.

[Anonymous]

Ok thank you for the reply.