It may not make sense but this is the law – you have to dispute directly with the credit reporting agencies – the national ones include Trans Union, Innovis, Experian, and Equifax.
You can and should also send a dispute to the furnisher of information (i.e. the creditor or collector) but if you do not send it to the reporting agency, then there is no obligation on the furnisher to do anything.
Crazy but that’s the political process folks….
Remember when you send a dispute to do it by certified mail, return receipt requested.
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