Question about disputing? Is there a way to dispute again

[idonthaveaname]

Hello,

Long time ago I disputed lots of transactions. Most of them were correct but I thought maybe on the off chance that some companies wouldn't respond and that I would get lucky. I did with a couple. Now when I want to dispute again years later for a different reason, it says I can't because they have already been disputed. What can i do?

Also what do I do when a company says that no we can't apply a good will letter because we have to report correctly. I mean sure I get that but if that were the case no good will letter would ever work

[Anonymous]

You cannot dispute accurately reporting information.  It is a violation of the TOS of the forums.

If there is something reporting incorrectly, then I would do a direct dispute with the creditor outlining how it is inaccurate.  They do not have to delete only update correctly.

If you called and asked about a GW, send it via snail mail.  If they say no, keep sending them.  FInd others in the same company to send it to.  They can say no 100 times but it only takes 1 yes.

[idonthaveaname]

I guess what I am asking is, if legally they have to report correctly have can they delete for goodwill anyways?

If they don't answer a direct dispute within 30 days does it get removed?

[Anonymous]

Yes, any creditor can delete whatever they chose.  The FCRA only says if they report it must be accurate, not that they have to report.

Probably not but then you could file a complaint with the CFPB. 

Keep in mind a direct dispute is only leaving out the CRA and going directly to the source.  All of them terms apply.  Since it has already been disputed with the CRAs, if you do not include more evidence, they too can say it is frivilous and not even investigate.

[idonthaveaname]

Is it possible to have them delete just one late payment on a current card?

Also how long is the law what if I want to verify again?

[Anonymous]

Yes, they can delete only one late payment.

I don't think I understand the second question.

[idonthaveaname]

Well they say based upon the law they either have to report or not report. So if they choose to report they can't just ignore a late payment on their because that would be inaccurate reporting. 

[RobertEG]

The FCRA does not require that all information be reported, and does not require that reporting must be accurate.

No statute can mandate human accuracy.

FCRA 623(a) stipulates that any reporting cannot knowingly be inaccurate.  Very different.

Showing of violation requires a showing that the reporting was known to e inaccurate, or they should reasonably known of its inaccuracy at the time it was reported.

In any dispute, the furnisher always has the option to correct any inaccuracy.

The dispute only applies to the information disputed, and thus if they cannot or do not verify the accuracy or correct, only the information under dispute is required to be deleted until such time as they provide verification.

As for dismissing a subsequent dispute, the new dispute must be substantiallly the same as the prior dispute in order to dismissed as frivolous or irrelevant.

If they dismiis as frivolous or irrlevant, they must send specific notice of that determination by the conclusion of the dispute period.

The rule governing investigation of direct disputes is as follows:

16 CFR 660.4(f)  Frivolous or irrelevant disputes.

(1) a furnisher is not required to investigate a direct dispute if the furnisher has reasonably determined that the dispute is frivolous or irrelevant.

A direct dispute qualifies as frivolous or irrelevant if:

(i) the consumer did not provide sufficient information to investigate the disputed information as required by paragraph (d) of this section,

(ii) the direct dispute is substantially the same as a dispute previously submitted by or on behalf of the consumer, either directly to the furnisher or through a consumer reporting agency, with respect to which the furnisher has already satisfied the applicable requirements of the Act or this section, provided, however, that a direct dispute is not substantially the same as a dispute previously submitted if the dispute includes information listed in paragraph (d) of this section that had not previously been provided to the furnisher;