Disputing items from credit report

[Anonymous]

If you dispute and item with all 3 bureaus and it's removed from one and not the others, what do I do next?

[Revelate]

---

@Anonymous wrote:

If you dispute and item with all 3 bureaus and it's removed from one and not the others, what do I do next?

---

Keep working on the other two.  The datasets are utterly seperate and they do not talk to each other.

[Imperfectfuture]

What reason did you use to dispute? Which collection agency? Call eq and ex (or whomever), get US reps, and ask them their method of verification (MOV). Likely they just electronically verified.

You may need to go to the collector directly (which I think you already did).

PS, if the debt is yours, and you still owe it, chances are it might come back,

[RobertEG]

If you dispute with one CRA and the furnisher of the information corrects or deletes based on their determination that the info requires correction or cannot be verified, it is not sufficent that they merely correct or delete with the CRA through which the dispute is being handled.

They are additionally reququred to make the correction or deletion with each CRA to which they have also reported the disputed information.

See FCRA 623(b)(1)(D).

As stated, the CRAs dont notify one another, the obligation is imposed on the furnisher.

However, compliance is often a differenct matter.

The consumer can contact the furnisher and remind them of their obligation to also update with the other CRAs.

The intent is that the consumer should not have to file the same dispute multiple times.......