A dispute filed with a CRA identifies, and is limited to, investigation and correction, verification, or if neither can be done, deletion of the specific information that is subject to the dispute.
If you dispute the accuracy of the reported Date Closed of a collection, the result will not require any consideration of deletion of the entire collection. The dispute is limited to only the specific issue of the date closed, and not the validity if the debt or whether the debt collector has any authority to report a collection. Thus, resolution will only address the current accuracy or correct the accuracy of the date closed.
It will not address the separate issue of when the collection will become excluded from your credit report.
If you field a dispute with each CRA, the debt collector would be requried to respond back to each CRA, and the results would theorectically be the same in each dispute, which should have resulted in the date closed being corrected to the same date, or removed, from each CRA.
What specifically did the notice of results of reinvestigation received from each CRA state as the result?
However, the issue of the accuracy of that date will practically become moot once the collection is excluded, Any collection, regardless of whether paid or unpaid, or of its open or closed date, must become excluded from your credit report no later than 7 years plus 180 days from the date of your first delinquency in the current chain of account delinquency. The CRAs will normally exclude at bit early, at 7 years from the reported DOFD, so the exclusion date they provide in their credit report is usually 7 years from the DOFD. No subsequent events, such as any reporting by the debt collector or any payment of the debt, etc., will reset the exclusion of the collection. The CRA excludes without any need for consumer request, so I would simply wait until next month, and it should be excluded.
