Fcra violation? Allied collection and harvest moon loans

[pamon]

Short take. took out a loan back in December 16 for 200 defaulted and 290 or so owed. Late '17 get emailed statement from allied stating 224 owed on it as collecting for them. Looking to clean these up so called harvest moon. They say I only have one account which is that 290 or so owed and not two. Allied put two unpaid collections on my TransUnion for $224 each last updated two months ago. Thinking some violations occured on this with allied right? Original payday lender says one loan and collector says two which isn't true at all? Wondering next steps to make it PFD or go after them.

[RobertEG]

You must first file a dispute with the CRA contesting the accuracy of their reporting before you can file any civil action against them for inaccurate reporting.  See FCRA 623(c).

You cannot file a civil action seeking any damages until you have first filed a dispute and received a verification of accuracy.

File a dispute.....

[pamon]

Good info. It dropped off my bureau today after I called them on it. Will see if the deletion sticks. Thanks