buckeyechick1219 Posted April 16, 2007 Report Share Posted April 16, 2007 Ok, this might be a stupid question, but it keeps being mentioned over and over again.When referring to how a disputed account appears on a credit report after a DV is sent, everybody keeps saying that the collector must mark it as disputed. Whenever I have disputed something directly with the CRA, they mark it as disputed. Part of the DV flowchart is to send a DV to the collector and dispute it with the CRA at the same time, so by time the CA receives the DV, the tradeline should already appear as disputed on your CR, correct?So really, does the CA have any obligation to report that the debt is disputed? I have disputed a fraudulent account with Asset, and when I pulled my credit report 30 days later, it was on there with no mention of being disputed. I disputed it with TU and EX, but not EQ. I'm guessing if I pull my EQ credit report right now, it does not show as disputed. Link to comment Share on other sites More sharing options...
thomassl Posted April 16, 2007 Report Share Posted April 16, 2007 The CA's do not have to respond to your DV. So it will not show as disputed from them as they basically ignored your DV. For this reason, I always dispute with the CRA's as they will report it as disputed. Link to comment Share on other sites More sharing options...
buckeyechick1219 Posted April 16, 2007 Author Report Share Posted April 16, 2007 I thought the mini-miranda that CAs put on their first correspondence with you indicated that they had to respond with validation if requested. I didn't even receive that. Are they not legally obligated to provide this information within the 30 day window? Or respond to the DV in some way? Link to comment Share on other sites More sharing options...
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