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Oscar1987



Joined: 28 Jan 2009
Oscar1987's page
Posts: 10



274 Magic Points

Subject: Wrong information dispute
 
Posted on Sat Apr 03, 2010 11:36 pm  

I checke credit report with all three bureaus and there were a couple of errors on it with a bbt credit card acct. when i write in for the dispute do I have to do it will all 3 bureaus? or is just one enough to take care if the issue?
sdchargers_63

sdchargers_63

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1916 Magic Points

Subject: credit
 
Posted on Sun Apr 04, 2010 11:26 am  

If the incorrect information is on ALL three Credit reports, I would 'dispute' it ( write a letter ) to all three. I would also write ( or call) the companys/CA's who are reporting it. Sometimes there are phone numbers, on the Credit reports, for those who are reporting it.
NightStar



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Location: Illinois


3176 Magic Points

 
Posted on Sun Apr 04, 2010 11:52 am  

What exactly is wrong with the account reporting? Is it something in the account itself, or is it just not your account at all?

If you give us more information, we might catch something else that you need to know.
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Oscar1987



Joined: 28 Jan 2009
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274 Magic Points

 
Posted on Sun Apr 04, 2010 1:48 pm  

what is happening is that I changed the due date for my sears credit card from the 1st to the 15th. my bill changed and said due date 15th but every month i noticed that i kept on gettin late fee even though i paid prior the 15th. after 3-4 calls they told me that their system had not been updated correctly which caused all the late fees. now that i see the report i see that they report the all 3 bureaus that i paid late 3 months is a row.
cinnamngrl



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6419 Magic Points

 
Posted on Sun Apr 04, 2010 1:57 pm  

You must dispute each credit report in writing. they will not update each other.

With this kind of dispute you may need to 623 after you dispute with CRAs

I would file a complaint with the office of thrift supervision.
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Oscar1987



Joined: 28 Jan 2009
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274 Magic Points

 
Posted on Sun Apr 04, 2010 3:20 pm  

what is 623?
cinnamngrl



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Posted on Sun Apr 04, 2010 3:55 pm  

This is the part of the FCRA the requires Sears to investigate and correct your credit report upon request.

§ 623. (a)(Cool ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER

(A) IN GENERAL The Federal banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to reinvestigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.

(B) CONSIDERATIONS - In prescribing regulations under subparagraph (A), the agencies shall weigh--

(i) the benefits to consumers with the costs on furnishers and the credit reporting system;

(ii) the impact on the overall accuracy and integrity of consumer reports of any such requirements;

(iii) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute; and

(iv) the potential impact on the credit reporting process if credit repair organizations, as defined in section 403(3), including entities that would be a credit repair organization, but for section 403(3)(B)(i), are able to circumvent the prohibition in subparagraph (G).

(C) APPLICABILITY Subparagraphs (D) through (G) shall apply in any circumstance identified under the regulations promulgated under subparagraph (A).

(D) SUBMITTING A NOTICE OF DISPUTE- A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that--

(i) identifies the specific information that is being disputed;

(ii) explains the basis for the dispute; and

(iii) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute.

(E) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph (D), the person that provided the information in dispute to a consumer reporting agency shall--

(i) conduct an investigation with respect to the disputed information;

(ii) review all relevant information provided by the consumer with the notice;

(iii) complete such person's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611(a)(1) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and

(iv) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

(F) FRIVOLOUS OR IRRELEVANT DISPUTE-

(i) IN GENERAL- This paragraph shall not apply if the person receiving a notice of a dispute from a consumer reasonably determines that the dispute is frivolous or irrelevant, including--

(I) by reason of the failure of a consumer to provide sufficient information to investigate the disputed information; or

(II) the submission by a consumer of a dispute that is substantially the same as a dispute previously submitted by or for the consumer, either directly to the person or through a consumer reporting agency under subsection (b), with respect to which the person has already performed the person's duties under this paragraph or subsection (b), as applicable.

(ii) NOTICE OF DETERMINATION - Upon making any determination under clause (i) that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person.

(iii) CONTENTS OF NOTICE - A notice under clause (ii) shall include--

(I) the reasons for the determination under clause (i); and

(II) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.

and

§ 623. (b) Duties of furnishers of information upon notice of dispute.

(1) In general. After receiving notice pursuant to section 611(a)(2) [§ 1681i] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall

(A) conduct an investigation with respect to the disputed information;

(B) review all relevant information provided by the consumer reporting agency pursuant to section 611(a)(2) [§ 1681i];

(C) report the results of the investigation to the consumer reporting agency;

(D) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis; and

(E) if an item of information disputed by a consumer is found to be inaccurate or incomplete or cannot be verified after any reinvestigation under paragraph (1), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly --

(i) modify that item of information;

(ii) delete that item of information; or

(iii) permanently block the reporting of that item of information.
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cinnamngrl



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Posted on Sun Apr 04, 2010 3:56 pm  

if you disputed with CRA first and then ask sears to investigate and correct, they have to do it or be in violation.
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sdchargers_63

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1916 Magic Points

Subject: credit
 
Posted on Mon Apr 05, 2010 12:34 am  

Ok....with a 'dispute' like this (just for my own curiousity..) how long would Sears have to correct this on the OP credit report?
NightStar



Joined: 10 Mar 2010
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Posts: 142
Location: Illinois


3176 Magic Points

 
Posted on Mon Apr 05, 2010 2:54 am  

what is happening is that I changed the due date for my sears credit card from the 1st to the 15th. my bill changed and said due date 15th but every month i noticed that i kept on getting late fee even though i paid prior the 15th. after 3-4 calls they told me that their system had not been updated correctly which caused all the late fees. now that i see the report i see that they report the all 3 bureaus that i paid late 3 months is a row.

By all means call the reporting department at the creditors direction, show them the credit report listing all of the late listings, tell them you want their bank to do an immediate electronic update to the credit reporting agencies. They can have the account updated within 24 / 48 hours in this kind of case.

The damage is already don't, late listing each can cost the credit score 20 points, so they tanked your credit score for at least 60 points. Even if they fix the mistake the damage is already done, the score will only gain back a percentage of the points lost.

Out of curiosity you should pull a report with credit scoring across all the credit reports from Experian, Equifax, and TransUnion.

Than after they make the correction order up all 3 reports again with credit scoring to compare the difference the score gained back.

I would take both the before and after reports to contact the credit reporting agency to dispute fixing the score after this kind of mistake.

Maybe even contact the FTC and complain about this problem. www.ftc.gov
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Aaron

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Subject: dispute wrong listing
 
Posted on Mon Apr 05, 2010 9:16 am  

Hi Oscar,

If the wrong listing appears on all of the 3 reports, then you need to dispute with all the 3 bureaus separately. After sending the dispute letter through certified mail, requesting a return receipt, you need to check your credit report for the updates.

Hope this helps

Regards,

Aaron
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Subject: XLhPJCMeAyKEgfF
 
Posted on Thu Apr 11, 2013 12:45 pm  

You need to contact the cdiert reporting agencies individually. You can get your cdiert reports for free via and then you can follow the instructions as to how to challenge anything on the reports.
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