I disputed and it worked! Now what?

You most likely will have to dispute it with them also. Although the FCRA says:

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.

Despite what the law says, don't expect the other cra's to be notified. If you can get a letter from the oc stating your acct was paid as agreed, never late, you could fax that to the cra's and they would update your acct. But short of that, you will need to dispute it with the others.

 

Hey Allen074
I have done that before and it work. Disputed w/ TU and EQ, stating it has been remove with experian, give them a copy of the sheet highlighting the correction to both of them..Equifax will give you a hard time but don't give up....
JC

 

I don't think I would send a copy of one CR to another CRA unless I had tried all other options. You seem to be trying to get everything done quickly, when this process isn't a quick one. Dispute w/ the 2 CRA's, and wait the 30 days until the investigation is complete. Just because they see it deleted on one CR, it doesn't mean they will automatically delete it too. You've already disputed it, now wait and see what they come up with. The waiting game sucks, but you don't want to push them into flagging your file--then you'll have a hard time w/ all future disputes!

Whenever I dispute a TL, I do it on all 3 reports at the same time!

 

READ CLOSER:

FURNISHERS OF INFORMATION- THE CREDITORS... NOT EXPERIAN, EQUIFAX AND TRANSUNION

MAY REPORT- DOESN'T MEAN THE CREDITORS ARE REQUIRED TO

ONE FINAL NOTE- THERE IS AN ONLINE SYSTEM WHERE CREDITORS MAY NOTIFY ALL THREE CREDIT REPORTING AGENCIES, JUST DO THEY ALWAYS USE IT? THINK ABOUT IT... IF THEY DIDN'T RESPOND TO AN INVESTIGATION AND THE CREDIT REPORTING AGENCY DELETED THE ACCOUNT, DO YOU EXPECT THE CREDITOR TO EXERCISE AN OPTION TO UPDATE THE OTHER TWO REPORTS?

 

I got a letter from an OC stating that an account I disputed wasn't mine and the CRA told me the letter was no good since it wasn't personally signed by someone at the OC.

 

Read closer. That's about what I said. I said don't expect the other cra's to be notified.

 

Then I would call the OC and ask for another copy of the letter signed. Then refax it.

 

Sorry, you are wrong, they are required to update and correct incomplete or inaccurate information to ALL credit reporting agencies they furnished information to.

See FCRA section on responsibilities of furnishers of information after notification.

(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.

After conducting an investigation, as required, the furnisher not only is specifically required as per the above but also now KNOWS OR SHOULD HAVE KNOWN that it was furnishing incomplete and inaccurate information.

The method of correction isn't specified they MAY use the online system or they MAY NOT but the responsibility to correct and update to ALL CRA's that received the information doesn't change.

And yes, I do expect that if a furnisher deleted an account they would do what they are bound to do, legally, and delete from ALL other CRA's they provided information to -- you think about it and read closer, why would you expect anything less? That they don't doesn't have anything to do with expectations and their duty to follow the law.

Additionally,

http://www.ftc.gov/os/statutes/fcra/harris.htm

Section 623(a)(2) of the FCRA addresses the duty to correct and update information by "furnishers," or persons who furnish information to consumer reporting agencies ("CRA") such as credit bureaus. In particular, this section requires a person that "has furnished to a consumer reporting agency information that the person determines is not complete or accurate" to "promptly notify the consumer reporting agency of that determination" and provide any information needed to make it complete and accurate.(1) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to "correct and update information" with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to "update" accounts as well as to "correct" those that were erroneous when submitted to the CRA

Sassy

 

Yeah. What Sassy said.