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Experian: Dispute online or by mail?

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ariesdreamer
Regular Contributor

Experian: Dispute online or by mail?

There is one account on my boyfriend's CR that shows he still owes on but when he already paid the entire balance off in Dec 2009. This account only shows up on his Experian and Transunion CR. It is still with the OC and we're going to dispute it but we're wondering whether its best to dispute online with Experian or by mail. Thanks!

02/17/2021: 654 (EX), 633 (EQ), 608 (TU)
12/8/2020: 668 (EX), 630 (EQ), 630 (TU)
Message 1 of 4
3 REPLIES 3
MarineVietVet
Moderator Emeritus

Re: Experian: Dispute online or by mail?


@ariesdreamer wrote:

There is one account on my boyfriend's CR that shows he still owes on but when he already paid the entire balance off in Dec 2009. This account only shows up on his Experian and Transunion CR. It is still with the OC and we're going to dispute it but we're wondering whether its best to dispute online with Experian or by mail. Thanks!


Have you tried contacting the OC for help? That would be my first step. If it's an error on their part they can update with Experian.

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Message 2 of 4
ariesdreamer
Regular Contributor

Re: Experian: Dispute online or by mail?

 


@MarineVietVet wrote:

@ariesdreamer wrote:

There is one account on my boyfriend's CR that shows he still owes on but when he already paid the entire balance off in Dec 2009. This account only shows up on his Experian and Transunion CR. It is still with the OC and we're going to dispute it but we're wondering whether its best to dispute online with Experian or by mail. Thanks!


Have you tried contacting the OC for help? That would be my first step. If it's an error on their part they can update with Experian.

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


We haven't tried contacting the OC but will do so! Thanks!

 

02/17/2021: 654 (EX), 633 (EQ), 608 (TU)
12/8/2020: 668 (EX), 630 (EQ), 630 (TU)
Message 3 of 4
RobertEG
Legendary Contributor

Re: Experian: Dispute online or by mail?

I would suggest neither.  There is no reason to even bring the CRA into the dispute process at all.  They are superfluous, and just create unnecessary problems.  That is why congress enacted the direct dispute process under FCRA 623(a)(8).

Dispute directly to the OC

Message 4 of 4
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