Sometimes when you send a letter of demand to the three credit bureaus for an error or unverified negative item to be deleted, only one bureau deletes it. The other two might send back a form response claiming it was “verified” and remains. Of course, no proper verification was actually done.
Here is your next step:
Send a second letter to the two credit bureaus who failed to delete the falsely reporting item. Say something like this:
On (date), I sent you and Equifax a letter explaining that the late payment showing June 2023 on account # XXXX1234 is reporting falsely and demanded deletion. Equifax investigated and deleted the late pay. I know you pride yourselves in doing work just as excellently as Equifax; therefore, I expect you to also delete this FALSE and ERRONEOUS post on my credit report. Since this is my second request, I will expect a speedy response. Have a nice day, your name and signature
If you can include a snippet or screen shot of the portion of the letter from Equifax that shows the deletion, that will be even better. Add this to your letter: “See Exhibit showing the deletion of the error.
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