Good thinking, Suwannee. Padric, if your loan was properly reported, then you shouldn't have to correct any prior reporting. Written response to the customer that there was no error should suffice. I personally thought it was rather "rude" (for lack of a better term) for the bureaus to insist upon using E-OSCAR. We felt compelled to sign up despite the cost. It is pricey.
Opinions expressed are mine and do not represent the views of my employer.