I have came across several discussions regarding the notice of dsipute on a report. I am confused because my report has many different things. I have posted the following accounts Im concerned about- GNB/BEALLS # REVOLVING ACCOUNT CHARGE ACCOUNTVERIF'D 03/2002 BALANCE: $77 INDIVIDUAL ACCOUNT OPENED 01/1995 MOST OWED: $341 CREDIT LIMIT: $400 CLOSED 11/1997 >PAST DUE: $77< CONSUMER DISPUTES 2X> STATUS AS OF 11/1997: COLLECTION ACCOUNT< GNB/STAGE # REVOLVING ACCOUNT CLOSED CHARGE ACCOUNTVERIF'D 03/2002 BALANCE: $0 INDIVIDUAL ACCOUNTOPENED 08/1994 MOST OWED: $476 CREDIT LIMIT: $1200 PAID OFF 06/2001 CONSUMER DISPUTES 2X STATUS AS OF 06/2001: PAID OR PAYING AS AGREED >IN PRIOR 41 MONTHS FROM DATE PAID 16 TIMES 90 OR MORE DAYS,<> 2 TIMES 60 DAYS, 5 TIMES 30 DAYS LATE<> MAXIMUM DELINQUENCY OF 90+ DAYS OCCURRED IN 04/1999< I have disputed both accounts with OC for the last 3 months. Does (consumer disputes 2X) mean that they are in dispute? Does this satisfy the FCRA 623 regulation? I am using this as my leverage and hope Im right. I appreciate any information on this.
You will know if the OC has reported to the CRA that "The Consumer is in dispute" by looking at the date last reported for the account. If the date is before you started disputing this with the OC and it states "in dispute" you will know it was placed there by the CRA and NOT the OC. This is sometimes the case if you are disputing this with the CRA and OC at the same time. As long as the date of last report for the account isn't the date you are disputing then it is not being noted as in dispute by the OC. If you receive notification from the CRA that the account was "Verified" but the OC failed to notify the CRA the account was in dispute by you and the date of last report falls within the time frame you disputed it with the OC they are now in violation of the FCRA 623 Notice of Dispute. Tac
