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Disputing invalid "profile" information on a CR.

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BallBounces
Valued Contributor

Disputing invalid "profile" information on a CR.

I recently pulled one of my reports from the anual report site, and noticed some errors related to personal profile information.

 

1) They have a phone number listed for me which is blatantly wrong.  They have another which is well over 20 years old, and certainly I do not want that number on my credit report.  I requested both be deleted via dispute.  Will I get a view at my new credit report after they have been removed? 

 

2) One of my prior addresses must have had a typo-ed address reported by a creditor.  I remember seeing that one from when I looked at my reports many years ago, and thought I corrected it but apparently not.  I requested that prior address be removed.  Same question:  Will i get to review my credit report when the dispute I entered is resolved?

 

3) An address that I lived at (seriously) over 20 years ago was reinserted on to my report somehow in the last few years.  I requested it be deleted.  Will i get to review my credit report when the dispute I entered is resolved?

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RobertEG
Legendary Contributor

Re: Disputing invalid "profile" information on a CR.

When the resolution of any disptue via a CRA results in the revsion of any information in your credit file, the CRA is required to provide, as part of theri notice of results of their reinvestigaion, "a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation."

See FCRA 611(a)(6)(B)(ii).

Message 2 of 4
BallBounces
Valued Contributor

Re: Disputing invalid "profile" information on a CR.

Thanks robert.  We assume then that asking to delete a phone number is a 'dispute'.  I will see shortly.

Message 3 of 4
Revelate
Moderator Emeritus

Re: Disputing invalid "profile" information on a CR.


@BallBounces wrote:

Thanks robert.  We assume then that asking to delete a phone number is a 'dispute'.  I will see shortly.


It is in my experience; I had to whack some invalid phone numbers and a slew of incorrect addresses (wrongly entered by a reporter somewhere along the lines, 1 real, and 5 variations of that address some which there's no way USPS could interpret as a real address, was goofy).

 

Did get updated credit reports from all 3 bureaus.




        
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