how many times can you dispute the same account, with the same bureau?

[daisyduke]

I tried to dispute my Dell/Cit Bank Account online with  EX but I could not do it on line. Would not let me.  There is no tag that says "consumer disagrees"...I think that statement  means you can't dispute it anymore, although, I'm not sure completely...

The account was changed back again to "open" which is annoying b/c it is not open but closed and has been closed since 2005!

The account has incorrect information with all three bureuas, marked as open...or the balances are incorrect.

Is there a limit on how many times a consumer can dispute an account, within a certain time period? if it is wrong, it's wrong.

Also, what is the slowest way to do a dispute? Over the phone?

[Anonymous]

I'd be interested in hearing about this as well. I have a baddie which I was able to have successfully deleted off of EQ/TU. Only EX has it listed now and it's proving to be impossible to get it removed.

The only way to dispute an item as "fraudulent" with EX is to call in and request an investigation. They issue a fraud alert on your account for 90 days. The bad thing about it on my CR is that not only did they refuse delete it, but the fraud alert stuck and a place I applied to for an autoloan seemed to be unable to obtain a score. 

I then tried requesting an investigation under that TL using another reason, again they did not delete. Now I'm unable to dispute. I believe they have some sort of grace period. Too many disputes for the same trade line = frivolous. I'll be trying again when ever I get the chance. 

Message Edited by introvert on 11-19-2009 06:57 AM

Message Edited by introvert on 11-19-2009 07:05 AM

[tray]

I personally feel something needs to be done about this I also have the same issue with Household Bank and TU, if you place an investigation for wrong information being reported the 1st time its okay it seem if you dispute the same account for an entirely different reason a second  these credit reporting don't give a hoot, they call it frivolous and will not comply with the investigation which is totally WRONG.  It's like it wrong information keeps getting reported you have one shot to fix it and that is it.

[AndySoCal]

What was the status of the account when it was closed ? Also was there a balance when it was closed?

[RobertEG]

After once  "resolving" a dispute, FCRA gives the CRA rhe right, under section 611(a)(3), to then determine that further disputes are frivilous or irrelevant.

It all goes back to the original process.   

All relevant information is NOT sent to the creditor in the initial dispute, but rather is sanitized, and in most cases, just reduced to a two-digit inquiry code by a CRA clerk under the automated E-OSCAR dispute process, and your supporting documenentation is relegated to the CRA rrash bin.  So how would one expect a renewed dispute to be resolved with anything more than the same two-digit code or worse yet, even being dismissed as irrelevent or frilivilous?  It is almost a joke.

This is not just my personal rambling, and you can review the process by way of testimony by the best consumer attorneys submitted to Congress.

Consumer advocates have submitted lengthy testimony on this issue to Congress through the “National Association of Consumer Advocates”, titled “Fair Credit Reporting Act: How it Functions for Consumers and the Economy,” dated June 19, 2007, and submitted by Mr. Leonard A. Bennett.

(“E-OSCAR is addressed beginning on page 19 of that testimony).

I refer you this congressional testimony if you want to see the real issues with the currrent dispute process.

Message Edited by RobertEG on 11-19-2009 10:30 PM

Message Edited by RobertEG on 11-19-2009 10:55 PM

Message Edited by RobertEG on 11-19-2009 10:59 PM

[RobertEG]

If you want to ever pursue any future allegation of incomplete dispute resolution by a CRA, a suggest the addition of the following two paragraphs to any dispute under FCRA 611(a):

"Be advised that I consider the explicit languance of FCRA 611(a)(2)(B) to require you to provide to the person providing the information to you that is the subject of this dispoute "all relevant information regarding the dispute that is recieved by the agency from the consumer..."  I dont consider the use of the automated E-OSCAR process without forwarding of all of my documentation to the provider of the information for their verifcation of accuracy to be in compliance with FCRA 611(a)(2(B).

"In determining your compliance with this request, I additionally request, under FCRA 611(a)(6)(B)(iii), that you provide me a full "description of the procedure used to determine the accuracy and completeness of the information."

That includes the extent of transmittal of any and all of my supporting information to the provider of information in the investigation of this dispute."

[daisyduke]

Robert EG - thank you so much. I'm going to take your suggestion. Very interesting. You are  a wealth of information.

Andy

The account was closed in 2005 by Dell and there was a balance when it was closed, I guess it was closed because of inactivity, the OC closed the account. The account went bad last year....i missed a ton of payments... It still has a balance, but will be paid off on Tuesday! finally. Now check this out, when the CRA marks the account as open, my TU score drops significantly because it reads the last late payment, April 09 as more severe than if it was closed....This I learned through an expert on this forum. That is why I want it to  be marked, as it should, as "closed".  I called Dell yesterday to check my balance, through the IVR, I have avail. credit...when I speak to a rep, the account is closed.

[AndySoCal]

Are you seeing the word open in the account type field ? If yes this is not related to if the account has been closed or not. Some American Express cards are open account types because the balance in full is due in 30 days.  Collection accounts are another example of an open account. You said the account was closed the credit card company.  When account is closed the credit card company can ask for balance in full or let you continue to make payments.  If they asked for balance in full then they could change the account type to open because it is no longer a revolving account.