question on Comments in report...

centex · 07-13-2006, 01:50 PM

When the consumer adds the comment of "Litigation Pending" on an EX report, does anyone know whether EX treats that as a basis not to delete even when the furnisher has made the request?

Former roomie had a small medical collection (less than $100) that was resolved through the medical provider immediately upon discovery of the outstanding balance and the third-party tradeline was promptly deleted from the other two reports. However, the information remains cemented to EX, and I am trying to determine whether it was the placement of the Litigation Pending comment or whether it is simply EX being EX and being obstinent about the removal of something they previously verified.

Hedwig · 07-13-2006, 06:24 PM

I don't know, but is it a consumer comment? If so, I would think she could ask for the consumer comment to be removed. If not, could she dispute that the comment is incorrect?

centex · 07-13-2006, 08:25 PM

Quote:

Originally Posted by Hedwig

I don't know, but is it a consumer comment? If so, I would think she could ask for the consumer comment to be removed. If not, could she dispute that the comment is incorrect?

It is a consumer comment. Admittedly, I had suggested that it be placed, not knowing what might actually get sent out to the piss-ant third party. It could certainly be deleted, as that is a simple online function.

I'm tempted to have her do that just to see if the tradeline is deleted on its own afterwards...hell, she can always put the Litigation Pending comment back in place

After all, as long as she keeps me posted about it, litigation is ALWAYS pending

Hedwig · 07-13-2006, 11:53 PM

That sounds like a good plan.

centex · 07-14-2006, 09:27 AM

As a quick follow-up...it appears that the bureau in question *cough* *cough* Experian sucks *cough* *cough* chose to finally delete late last night. And thus we have an answer to the underlying question regarding the impact of consumer comments in the furnisher's request to delete the tradeline...

Qtip · 07-14-2006, 11:33 AM

Quote:

Originally Posted by centex

As a quick follow-up...it appears that the bureau in question *cough* *cough* Experian sucks *cough* *cough* chose to finally delete late last night. And thus we have an answer to the underlying question regarding the impact of consumer comments in the furnisher's request to delete the tradeline...

So tradeline was deleted after consumer comment was removed? Actually I just realized that you posted yesterday about this, not ehough time to remove comment. The conclusion then is that tradeline was removed with consumer coment.

centex · 07-14-2006, 01:34 PM

Quote:

Originally Posted by Qtip

So tradeline was deleted after consumer comment was removed? Actually I just realized that you posted yesterday about this, not ehough time to remove comment. The conclusion then is that tradeline was removed with consumer coment.

Former roomie's comment remained in place at the time of deletion of the tradeline. The consumer comment removal process on EX is actually pretty quick...