Same Trade Line two different CRA

[steeleb]

If I have the same TL on two different CRA's do I Validate and dispute at the same time or wait until I'm done with one CRA before moving to the other?

Thanks for your help.

[J.A.]

If your going to validate or dispute do it with both bureaus at the same time.

[Lian]

First, you dont address debt validation with either a CRA or with the OC.
Debt validation is a collection practices issue under the FDCPA, and is addressed by communications with the debt collector.

If you choose to dispute through the CRAs, then each handles the dispute through its own dispute process.

For many reasons, with avoiding duplicate disputes being only one, you may want to alternatively not file your dispute with any of the CRAs. You can send one dispute under the section 623(a)(8) direct dispute process directly to the party (creditor or debt collector) who reported the disputed information, and get it resolved under one investigation conducted by them without any CRA involvement. If the dispute is revolved in your favor, the responsibility is then upon them to update with the CRAs,