I have dreaded working on this one for a while now, but after reviewing the boards was able to come up with the below reasons for dispute on my mortgage foreclosure. I disputed with Equifax last year as "not mine" and they verified. The TL has listed that the account is in dispute on reports for EQU and TRANS. Should I address this letter to the CRA's or the OC since my first dispute was "not mine"? This account has numerous inconsistancies and errors in reporting (see attached). Please remove This account is reporting different information to each of the three credit bureaus (see attached). Please remove. This account is reporting to Experian that the last reported delinquency was in 7/2008 when the home in question went to auction in 6/2008 (see attached). Please remove. This account is reporting to Experian that the last reported delinquency was in 7/2008 when the home in question is showing as Foreclosed in 6/2008 (see attached). Please remove. This account is reporting to Experian that the last reported delinquency was in 7/2008 when the date closed on Equifax report shows 6/2008 (see attached). Please remove. This account is reporting twice to Equifax using the same address and account numbers but showing different information and dates (see attached). Please remove. This account is showing two different dates of delinquency on the same account being reported as two different tradelines (see attached). AMC 10/2007 and Citi Residential 9/2007. Please remove. This account is showing two different â??statusâ? on the Equifax report where they are reporting the same account as two Trade Lines. (see attached). Please remove. This account is not showing a Date of Last Activity. This account is reporting to Transunion 60 Days Past Due in July of 2007 and reporting Current in July of 2007 to Experian and 30 days past due to Equifax (see attached). Please remove.. This account is reporting to Transunion 30 Days Past Due in August of 2007 and reporting Current in August of 2007 to Experian and Equifax (see attached). Please remove. This account is reporting to Equifax 30 Days Past Due in September of 2007 and reporting Current in September of 2007 to Transunion and Experian (see attached). Please remove. This account is reporting to Transunion 30 Days Past Due in February of 2007 and reporting Current in February of 2007 to Experian and Equifax (see attached). Please remove. This account is reporting to Transunion 30 Days Past Due in December of 2006 and reporting Current in December of 2006 to Experian and Equifax (see attached). Please remove. This account is reporting to Transunion 30 Days Past Due in October of 2006 and reporting Current in October of 2006 to Experian and Equifax (see attached). Please remove. This account is reporting to Equifax 30 Days Past Due in Novemeber of 2006 and reporting Current in November 2006 to Transunion and Experian. This account is reporting to Equifax 30 Days Past Due in September of 2006 and reporting Current in September of 200 to Transunion and Experian (see attached)Please remove Any comments will be greatly appreciated...are all of these valid reasons to get the TL removed? Thanks!
Any dispute letter should be sent to the CRAs, and if it's inaccurate data then it's disputable. I would steer clear of general statements like the first one, "numerous inconsistencies and errors" or comparing one CRA's credit report to another. Stick to specific disputes of data that is incorrect.