A woman found an “adverse report” from Macy’s on her credit file. Then she discovered the entire department that could help fix the problem had been furloughed. “The supervisor said there was nothing they could do,' she told columnist Davidlaz.
— for advice on what consumers should do if a business can’t or won’t step up to help resolve a dispute.
Each credit bureau has its own system for disputing problems, she said. Typically, such matters can be taken up online.In Scott’s case, Bernardo said, “the consumer needs to check her Experian credit report, and if there is a late payment reported by Macy’s, she can initiate a dispute.”“It’s important to remember that disputing information with one credit bureau may not impact information on credit reports from the other two bureaus,” said Zehra Mehdi-Barlas, an Equifax spokeswoman.
“If a customer has a question specifically on credit reporting, we instruct them to write to a monitored address — this team is not furloughed and is actively reviewing cases,” the spokesperson said.
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