How can I go about disputing this?

[Anonymous]

If you look at the tradeline on this account, does it seem incorrect? This account has been PAID IN FULL for years so I have no idea why lates are reporting on ONE tradeline. DOFD is 12/2008. I need this gone in a shorter time period then the 7 1/2 years, or at least updated correctly so it doesnt look so bad. I cant find any info on how to dispute / goodwill anything from Us Department of Education so I'm some what stuck. Account will be posted below.

Edit: For some reason it wont let me post the trade line, but it has a 120 late as recent as Jan 2013. Which isnt true as it has been paid off for a long time.

[Anonymous]

US DEPT ED

More about this account >>

	TransUnion	Experian	Equifax
Account #:
Condition:	Derogatory	Paid	Derogatory
Balance:	$0	$0	$0
Type:	Educational	Educational	Educational
Pay Status:	Collection/Chargeoff	Collection/Chargeoff	Late 120 Day

[DaBears]

---

@Anonymous wrote:

US DEPT ED

More about this account >>

	TransUnion	Experian	Equifax
Account #:
Condition:	Derogatory	Paid	Derogatory
Balance:	$0	$0	$0
Type:	Educational	Educational	Educational
Pay Status:	Collection/Chargeoff	Collection/Chargeoff	Late 120 Day

---

It's reporting correctly on TU and EX. You can try disputing through EQ choosing Paid In Full and see what happens or you can send a Direct Dispute to them which I would do. They will need to update, change or delete the TL for not reporting accurately. 

Community Leader, 

DaBears

[Anonymous]

Do you have any idea where I would send a direct dispute to? I cant find any information. Sallie Mae is reporting this as the same as well and its driving me nuts. 

[Anonymous]

I also feel like it should be reporting as paid rather then derog at this point, but I'm sure thats probably wrong?

[DaBears]

It will always be a charge-off. Paid or unpaid. It looks better that it was paid in full under a manual review of your credit reports. You will need to send the direct dispute to the address that is listed on your credit reports.

[Anonymous]

Thanks for your help DaBears. Is there any special way to word a direct dispute as opposed to a dispute to the CRAs? I have only disputed to the CRA, never a direct dispute yet. This will be my first.

[DaBears]

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 reported to my credit file.

       ►       (If sent to a debt collector, (CA), it might be beneficial to also include the blurb

This is a direct dispute of credit reporting. This is not a request for debt validation/verification  under FDCPA §809(b)

                  (don’t let them just simply sluff it off as a meaningless  DV letter)

In compliance with FCRA §623(a)(8)(D), and enacting regulations published at  16 CFR § 660.4, this Notice of Direct dispute includes:

Identification of the specific information being disputed:

           (specify the account number, and the specific information that is disputed under that identifying account)

Basis for the dispute:

            (how the reporting was inaccurate;    was any reporting in violation of any statutory or  regulatory provisions?  account or express agreements?  CRA reporting gudelines?  Account not yours? etc.)

Supporting documentation:

            (all documents that support your dispute; it is recommened to also include, as part of your documentation, at least a copy of the portion only of your recent credit report showing their reporting of the disputed information was actually reported to your credit flle.  The implementing rule suggests a  showing  that it appeared in your credit report)

[Anonymous]

Thanks so much. I believe this account is currently in dispute with the CRA's at the moment. I guess I will wait to see what happens with that before I send this out. Unless for some reason it shouldnt matter?

[DaBears]

I would wait till the disputes are done through the CRA's first, Then I would send the direct dispute if nothing has changed.