I've had success getting a few inaccurate entries deleted on one or two of my reports, but not on all 3. Company X would verify to one or two CRA's but have the entry completely deleted from another. I've thought about it, and having read (and damn near memorized) the FCRA over the past 6-12 months, I'm taking a shot at the following, from 15 U.S.C. § 1681i:m, paragraph 5, sub D "Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer's file to other such consumer reporting agencies." MY interpretation of this law is that it's not necessarily the CRA's duty to share the info, but the ORIGINAL CREDITORS and CA's to make sure if they're deleting from one, they're deleting from all. What DOES apply to the CRA's in this is the basic fundamental for which the FCRA was written; if it's inaccurate, you can't report it as such. Therefore a strongly written letter to the CRA's with proof of deletion from one or both of the other two should, in theory, require deletion from the CRA's still reporting the inaccurate derog. I'm attempting to use this in order to have these inaccurate derogs removed once and for all. It's sickening to me when a creditor will delete/fail to verify with one bureau and continually report the inaccurate as accurate with another. Any thoughts on this interpretation? Anybody have any luck going this route?
i agree. Transunion deleted an old charge off after dispute but experian verified it. doesnt make sense
