Debt initially validated but now found errors...

[ambytiousone]

I have sent an initial dispute an received my results from equifax.
A few of the TL's came back verified, however,I believe there are errors in the
reporting.

One is a debt buyer account stating:
Date Opened: 04/2008

Date of 1st Delinquency: 09/2007

Date Maj. Del. 1st Rptd. 06/2008

Obviously the first date of delinquency couldn't have been before the date opened, right?

The other's are two medical acct's from OC stating:
Date Opened: 10/2004

Date of 1st Delinquency: 10/2004

Date Maj. Del. 1st Rptd. 04/2010

Two things I think are wrong with these, the date opened and date of first delinquency are the same. Also, this has been reported since 2004, how can the Date Maj. Del. 1st Rptd. be in 2010.


So, do you think these are valid reasons the CRA's would delete for?

Should I re-dispute based on errors before sending DV letters to CA/OC?

Thanks for your insight, my goal is to be completely debt free by the end of the year... just starting my journey to credit health.

[ambytiousone]

Should I re-dispute (with the CRA'S again first) based on errors before sending DV letters to CA/OC?

P.S. My initial reason for dispute was "not mine/ no knowledge of this debt"

[diggingout1]

Yes, redispute. They only verified that the debt was yours. Redispute using "reporting incorrectly" or "information incorrect". Then, they have to validate every aspect.

Good luck!