Report Late Response by Credit Bureau in Credit Repair Posted August 24, 2020 13 hours ago, BV80 said: Any dispute must be specific. For instance, you might dispute the accuracy of the balance. Did the account become delinquent in 2015? The 7-year reporting period is based upon the date of first delinquency. That is the date the account became delinquent and was never again brought back to a current status. In the event the accuracy of information is verified, you could sue for the CRA’s delay in responding, but be prepared to prove that you have standing to sue. In other words, you would have to show how the delayed response injured you. Without proof of an injury, a technical violation can be deemed insufficient to show standing, and the lawsuit would be dismissed. Proving an injury could be especially difficult if the information in the entry is accurate. You would bear the burden of proving the CRA’s delayed response was a result of negligence or willful delay. Note that if you proceeded, the only way you could receive statutory damages is if you prove the CRA willfully delayed its response. If you can only prove negligence, you would be required to have actual damages. Ok thanks again for your reply i appreciate your help!