Dispute Resolved, Reported by Grantor: What It Means
Seeing "dispute resolved, reported by grantor"? That remark alone does not tell you whether anything changed. Check the official results and the exact field. If the result says "verified" and the item is unchanged, that is not a win - see dispute verified but still wrong.
"Winning" a dispute is an informal phrase, not a label in the law. What actually exists is a result: the bureau tells you in writing what it did with the information you challenged. This guide covers reading that result, not how to file - the filing steps live in how to file a credit report dispute.
What "dispute resolved, reported by grantor" means
It is a reporting remark, not a result label defined by the FCRA. "Grantor" means the creditor or data furnisher associated with the account. It appears as an account remark. By itself, it does not disclose what action the bureau took, so official investigation results and revised report control. TransUnion explains its official results show the action taken on each disputed item, and that the Remarks field can contain additional information provided by the creditor.
The words alone do not prove a correction, a deletion, a consumer win, a legal violation or a score change. They also do not always mean "verified, no change." Bureau and reporting-app terminology varies, so rely on the bureau's official investigation-results summary, which says what action was taken, and the revised report sent with it. TransUnion's dispute FAQ also explains that verified information may remain unchanged.
Reading the remark in four steps
- Open the official investigation results from the bureau, not just an app notification.
- Identify the exact field you disputed - balance, status, a payment month, a date.
- Compare that field and its as-of or date-updated value on the revised report against your saved pre-dispute report.
- Keep the results and your evidence; if the field is still wrong, use the verified-but-still-wrong guide.
What the result can say
Under 15 U.S.C. 1681i(a)(5), if disputed information is found to be inaccurate, incomplete, or cannot be verified, the consumer reporting agency must promptly delete or modify it and notify the furnisher of that fact. Bureaus do not all use the same wording, so read the description rather than matching a label.
| Result | What it means | What to check next |
|---|---|---|
| Corrected or updated | A field was changed rather than removed | The specific field and its as-of date on the enclosed report |
| Deleted | The item was removed from the file you disputed | That the deleted information no longer appears in the revised file |
| Partial change | Some fields changed, others did not | Which fields remain, and whether those are still wrong |
| Verified, no change | The information stayed as reported | This is not a correction; see the branch further down |
Read the result packet
Under 1681i(a)(6), written results are due within five business days after the investigation is completed, and the notice includes a consumer report based on your revised file. You do not have to separately request that report - it comes with the results.
Keep the packet with the dispute you sent and the report version you disputed from. Together they show the file before and after.
Verify the exact field and date
An account can be "updated" while the field that was actually wrong stays the same. Check the disputed field and the as-of or date-updated value the entry carries, because that date is what the reported figure describes.
A fictional illustration: you disputed a balance on the Example Bank card shown as $1,250 as of August 31, and the account now shows "dispute resolved, reported by grantor."
- Same field, same as-of date: still $1,250 as of August 31 - no observed correction.
- Changed field, same as-of date: $0 as of August 31 - evidence of a correction to what you disputed.
- Newer as-of date: $900 as of September 30 - may be an ordinary monthly update rather than proof the dispute fixed the August figure.
This example is invented and draws no legal conclusion.
Check the other bureaus
A correction at one bureau does not by itself show that all three files changed. Equifax, Experian and TransUnion hold separate files, and furnishers do not always report to all three.
The CFPB explains that when the company that supplied the information finds it is incomplete, inaccurate, or cannot be verified after investigating, it must update or remove the information and notify all the credit reporting companies it provided it to. That is a duty on the furnisher, and it is a different thing from assuming a dispute filed with one bureau automatically repairs every file. Pull the other reports and look.
The prior-recipient notice you can request
Under 1681i(d), after information is deleted or a dispute statement or summary is filed, the agency must - if you request it - furnish notification of the deletion or the statement to persons you specifically designate who received the report. The statute states this for employment-purpose reports supplied within the two preceding years, and for reports supplied for any other purpose within the six preceding months.
This is not automatic and it does not cover every past recipient. You have to ask, name the recipients, and be within the situations the statute describes. If a specific employer or lender pulled the report while the information was wrong, this is the provision worth knowing about.
Score and any decision already made
There is no promised number of points and no promised timing. The CFPB explains that a credit score depends on the information in the report it is calculated from, the scoring model used, the product or source, and when it was calculated - which is why the same person can have different scores at the same moment.
A corrected report also does not itself reverse a decision a lender, landlord or employer already made. Keep the adverse-action or decision notice, note the date and the consumer reporting agency it names, and put it beside the revised report. Then ask that decision-maker directly whether it will reconsider or wants a new application. That organization's own policy controls the answer, and nothing here guarantees a different result.
If the item comes back
Deleted information can be reinserted, but not freely. Two different subsections do two different jobs. Under 1681i(a)(5)(B), information deleted after a reinvestigation may not be reinserted unless the furnisher certifies that the information is complete and accurate, and if it is reinserted the agency must notify you in writing within five business days - that same subsection requires the notice to include the furnisher's name, address and telephone number if reasonably available, plus a statement of your right to add a statement disputing the accuracy and completeness of the information. Separately, 1681i(a)(5)(C) requires the agency to maintain reasonable procedures designed to prevent the reappearance of information deleted under this paragraph, except for information reinserted in compliance with the certification requirement in (B)(i).
A reinsertion is not automatically unlawful and is not by itself a case. What it is, is a dated event with a required notice - so save the reinsertion notice next to the earlier deletion result.
If only part changed, or nothing did
A "verified, no change" result is not a correction, and neither is a partial fix that left the wrong field alone. The CFPB's guidance on disagreeing with dispute results covers the options at that point. Our companion guide, dispute came back verified but is still wrong, walks the same branch, and the dispute evidence worksheet organizes what you have before you decide anything.
Records worth keeping
- The report version you disputed from, with its bureau and report date
- What you sent, and any confirmation or delivery record
- The written results notice and the revised report enclosed with it
- Any reinsertion notice, with its date
- The adverse-action or decision notice, and any reconsideration correspondence
- The other bureaus' reports pulled after the correction
Where CreditHound fits
CreditHound is free educational technology. It is not a law firm and not a credit repair organization, and it does not write, send or file disputes for you. Only with your consent can your situation go to an independent partner law firm, which decides on its own whether to review it; representation happens only if that firm accepts the case and you sign its agreement. No outcome is guaranteed.