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623 Dispute Method question... I'm confused.


Blinkybambam
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Hi, 

 

So I disputed a TL with all three CRA's, and two of them came back verified (the third never responded). So using the 623 dispute method, should I contact the OC or the CA or both (the CA is reporting the debt, not the OC)? Also, how should I contact whomever I'm supposed to contact? CMRRR? Phone?

 

I know this question has been asked before but I really don't understand what to do, so if someone could guide me I'd really appreciate it. Thank you!

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You can dispute with the data furnisher, whomever that might be. Make sure you read the applicable rules first, including 16 C.F.R. 660.4. There is a certain sequence you must follow and certain information  you must provide before the furnisher becomes obligated to make a meaningful response.

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