Disputing items on credit report

[Anonymous]

possible someone else could've requested these reports under my name? All 3 say that i have already received the reposrts in the last year. Any other avenues?

[Anonymous]

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@Anonymous wrote:

possible someone else could've requested these reports under my name? All 3 say that i have already received the reposrts in the last year. Any other avenues?

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You've not pulled your reports from annualcreditreport.com OR directly through the three bureas in the last 13 months?

[MarineVietVet]

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@Anonymous wrote:

possible someone else could've requested these reports under my name? All 3 say that i have already received the reposrts in the last year. Any other avenues?

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Yes it's always possible someone else pulled those reports. All the more reason to check them all for accuracy. You can buy a report from the CRA's. I'm not sure how much it costs though.

[Anonymous]

im sure it wasn't me, first time i've heard of website. Dang, i was really hoping to avoid having to pay for "badnews", lol.

[-Cain-]

Call the CRA and speak with a rep. Maybe they can tell you who asked/pulled for your report under your name.

[RobertEG]

I would not file a dispute to challenge the failure to exclude information from a CR based on expiration of the credit report exclusion period unless it is based on evidence that the adverse item was reported with an incorrect date that is keeping it in your CR.

The responsibilbity of a credtior or debt collector pertaining to CR exclusion ends with their filing of the correct date of the adverse item.

It is then the responsibility of the CRA to monitor that date, and ensure its CR exclusion.  Thus, inaccuracy of credit reporting would not be the issue.

The issue would be failure of the CRA to comply with FCRA 605(a), and should be addressed by filing a complaint with them, not a dispute.

There would be no issue of inaccuracy of reporting for the furnisher to investigate.......

You dont want your CR to be screwed up by a dispute flag.