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marianneliberte

Dispute Inaccurate Comment on Real Entry

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My Equifax credit report includes two entries that appear to be accurate in all ways but they include this inaccurate comment: "Payment is payroll deductible". Research elsewhere suggests that this indicates that my wages are being garnished in order to repay these two debts. That is not accurate. One account is closed but I make payments directly to the credit card company (Chase), and the other account was charged off and I make payments to the creditor's (Bank of America) collection agency. I was not sued by either company; with Chase I simply continued to make payments on their website, and with BoA I worked out a settlement agreement (with payment plan, no garnished wages/etc) with their agency.

I tried Equifax's online dispute process. However, the comments listed in the dispute process do not display the comment "Payment is payroll deductible". That only appears to be on the actual credit report.

1) How does one dispute a false comment on a valid entry?
2) Elsewhere I've seen discussion of a false comment being potential cause for deletion of the entry (even if the rest of the entry is valid?) from a report. Is that accurate? If so, is it better to wait to dispute it until after the debt is paid in full?

Thank you!

Edited by marianneliberte
Edited one line to clarify a term

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20 minutes ago, marianneliberte said:

1) How does one dispute a false comment on a valid entry?

By mail. 

20 minutes ago, marianneliberte said:

2) Elsewhere I've seen discussion of a false comment being potential cause for deletion of the entry (even if the rest of the entry is valid?) from a report. Is that accurate?

Only if the inaccurate info remains following a dispute. Deletion of a trade line is not a specified remedy for dealing with inaccurate info. It's a way to 'settle' a violation in lieu of suing them for violating the FCRA, and reporting inaccurate info is not a violation until they have been made aware the info is inaccurate. 

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