cancel
Showing results for 
Search instead for 
Did you mean: 

What does "subscriber reports dispute resolved--consumer disagrees" really mean?

tag
Anonymous
Not applicable

What does "subscriber reports dispute resolved--consumer disagrees" really mean?

Last year, a collection from National Credit Solution appeared, unannounced on my CRs. It was a utility bill from 2004 that I had disputed with the original creditor. Five years later it shows up on my reports. I disputed with the 3 bureaus and all except for Experian deleted.  On the dispute copy of my EX report the comments section says--

 

     "Completed investigation of FCRA dispute - consumer disagrees."

 

NCS updated it for six months straight from Aug08 to Jan09, then stopped the updating.

 

I pulled a EX report w/EX plus score in Oct09. The comments on this collection now says--

 

     "Subscriber reports dispute resolved - consumer disagrees."

 

Why does the comments say one thing then a year later say something different?

 

Also, does the "subscriber reports dispute resolved" mean that I had contact with the CA and resolved it with them?

 

I want to dispute this item again as it is the only negative out of all my reports. The first time I just did it online, before I saw the light and found MYFICO.  I'd appreciate it if anyone could give me a little advice on where to start.

 

 

Account Name: NATIONAL CREDIT SOLUTI
Account#: XXXX
Account Type: Collection Department/Agency/Attorney
Balance: $XXX.00
Past Due:
Date Opened: X/1/2008
Account Status: Closed
Mo. Payment:
Payment Status: Seriously past due date / assigned to
                          attorney, collection agency, or credit
                          grantor’s internal collection department
High Balance:
Limit:
Terms: 1 Month

Comments:  Subscriber reports dispute resolved -
                    consumer disagrees.

                       2009
AUG  SEP  OCT  NOV  DEC  JAN  FEB
KD    KD    KD     KD    KD    KD   NR

Message 1 of 2
1 REPLY 1
tray
Valued Contributor

Re: What does "subscriber reports dispute resolved--consumer disagrees" really mean?

Hi, I had those same exact words on my EX credit report as well from a collection agency that I placed a dispute with for wrong reporting.  What it means is the collection agency feels the dispute is resolved, but you still disagree with the findings. 

Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 2 of 2
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.