I dont know whether the problem is with the CRA or witth the OC, Macys.
What I would recommend is filing a direct dispute with the OC of incorrect reporting to your credit file, providing a copy of your CRs as evidence.
Dont file anything with the CRA on this dispute until you hear back from the OC. That will give you, with NO CRA meddling, a decision in writing directly from the OC that their reporting has been correct. Then you can put the blame on the CRA.
Suggested letter to Macys:
“This is a notice of direct dispute with you, under the provisions of FCRA 623(a)(8)(D), of the accuracy of information you have posted to my credit file.
“In compliance with FCRA 623(a)(8)(D), this notice includes:
“Identification of the specific information being disputed:
(specify the account number, and the reported DOBs)
“Basis for the dispute:
(I have only one DOB; you report this inconsistently as different dates)
“Supporting documentation:
(all documents that support your dispute; make sure to include,
as part of your documentation, a copy of the portion of your
recent credit report showing their reporting)
“Under the provisions of FCRA 623(a)(8)(E), you have the duty to review all of the information in my notice of dispute, and to complete your investigation, and report back to me within 30-days of my notice of dispute..”
