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If one credit report removes an account, shouldn't they all?

New Contributor

If one credit report removes an account, shouldn't they all?

 I recently had Jefferson Capital removed from my TU report due to fraud. Shouldn't EQ and EX follow suit automatically? I was surprised to see this account was still on EQ so I filed a dispute with them as well. The amount is $2700 and I need this off all three of my reports like yesterday!

Rebuilding in March 2018
TU: 590 EQ: 594 as of 3/18
CO QS1 300 SL
Message 1 of 4
3 REPLIES
Frequent Contributor

Re: If one credit report removes an account, shouldn't they all?

Wow! Sorry to hear that! I hope you get it sorted out soon. Keep us updated with any useful info! Thanks!

Lots of Luck!!🙏

😊
Starting Score: EQ 491
Stating Scores 02/13/2018
TU 483 EX 543 EQ 491
Current Score:
EQ 563
Goal Score: 600 (for now)


Take the myFICO Fitness Challenge

Score: 06/16/2018 TU 556 +34
Score: 06/16/2018 EX 546 +0
Score: 06/16/2018 EQ 563 +52
In the Garden until 11/2018

GREAT PLACE! GREAT PEOPLE! GREAT ADVICE!

Message 2 of 4
Regular Contributor

Re: If one credit report removes an account, shouldn't they all?

No, they usually all do their own thing. They are stubborn like that, I asked TU the same question when the others removed and their response was “ we don’t control what another CRA does”. I would think true fraud would be different.


1st goal: 660 across the board
Starting Scores 01/19/2018
Equifax : 579
Transunion: 585
Experian: 602

Current 02/18/2018
Equifax:666
Transunion: 612
Experian: 650






Message 3 of 4
Community Leader
Legendary Contributor

Re: If one credit report removes an account, shouldn't they all?

FCRA 621(f) mandates that each CRA must have an established policy for referral of both extended fraud alerts under FCRA 605A and any block of information under FCRA 605B to the other CRAs.

Message 4 of 4