2004 Credit Suit

My 10/05/01 dispute with Experian

The Union Bank account that was just corrected in September to "closed by consumer" had the notation:

"Status: paid. $0 past due as of 8-2001"

Huh? I must be missing the part on the ADVS that says that is was past due.

Obviously, this is a derogatory notation, although I don't know how Fair Isaac rates it.

For a manual review the MIS report indicates that the account was past due at some time and that I then paid the delinquent balance. Of course that's not true.

I actually never used this account, it was an overdraft line and I don't usually write bad checks.

Note that I addressed the dispute to Experian, but they forwarded it to MIS.

The dispute: