Reply
Valued Contributor
Posts: 1,926
Registered: ‎10-23-2007
0

Disputing with Transunion

Has anyone had trouble submitting a dispute with TU lately? I logged in and tried disputing but the button that say "submit dispute" is no longer there. Whats up with that?

Established Contributor
Posts: 652
Registered: ‎04-26-2011
0

Re: Disputing with Transunion

i was able to submit a dispute about some personal information yesterday.  it worked fine for me.  in fact i got an email response today saying the dispute has been completed.

Mega Contributor
Posts: 19,519
Registered: ‎03-19-2007
0

Re: Disputing with Transunion

I am curious as to why you are even disputing through a CRA, rather than availing yourself of the new direct dispute process?

Disputes through the CRA unnecessarily involve their meddling and administrative shortcomings, not the least of which is their dubious use of their E-Oscar automated dispute process, which usually results in drastic sanitation of your documentation.

What are you disputing?

New Member
Posts: 3
Registered: ‎05-02-2011
0

Re: Disputing with Transunion

I have always had good luck getting things resolved through online means.  Every single dispute I have made was online with all 3 CRA's and have been responded to all of them in a timely manner.


Starting Score: 604
Current Score: 600
Goal Score: 700


Take the FICO Fitness Challenge

Valued Contributor
Posts: 1,926
Registered: ‎10-23-2007
0

Re: Disputing with Transunion

Actually I'm not trying to dispute I am just trying to check my report also known as back door... Which could be the reason why I no longer have the dispute button there.
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Disputing with Transunion

It's been out for a while for me too (and DW too), SBK. They are on to us! :smileysurprised:

Valued Contributor
Posts: 1,926
Registered: ‎10-23-2007
0

Re: Disputing with Transunion

Yea llecs thats the only reason i can think of...:smileymad:

 

They finally catching on...

Mega Contributor
Posts: 19,519
Registered: ‎03-19-2007
0

Re: Disputing with Transunion

My point regarding disputing through a CRA was not directed primarily at receiving timely response, it was directed more towards the shabby procedures used by the CRAs in conduction their "reinvestigations."  Their use of the automated e-Oscar process almost always santitzes your dispute to a code number, and your accompanying documentation in support of your dispute is usually not forwarded to the party who reported the disputed information.  Thus, their whole "reinvestigation" process is flawed.

That is one of the very reasons why the direct dispute process was implemented..... to enable the consumer to forward all information regarding the dispute directly to the party who reported the disputed information, ensuring they receive it and consider it in their investigation.

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Disputing with Transunion


RobertEG wrote:

My point regarding disputing through a CRA was not directed primarily at receiving timely response, it was directed more towards the shabby procedures used by the CRAs in conduction their "reinvestigations."  Their use of the automated e-Oscar process almost always santitzes your dispute to a code number, and your accompanying documentation in support of your dispute is usually not forwarded to the party who reported the disputed information.  Thus, their whole "reinvestigation" process is flawed.

That is one of the very reasons why the direct dispute process was implemented..... to enable the consumer to forward all information regarding the dispute directly to the party who reported the disputed information, ensuring they receive it and consider it in their investigation.


We know...IMO, disputing via the CRAs is the last thing you'd ever want to do if something is reporting inaccurately.

 

Schoolbuskid was talking about a glitch of sorts with TU. If you wanted your full report with TU, you could always go to annualcreditreport and get the free one. However, if you used your free one for the year and didn't want to pay the $10 or $11  for a new FULL report from TU, you could still get it for free. You'd initiate a dispute, without following through, and they'd give you a free report. However, looks like they did away with it. I pulled my full report once every quarter and tried a couple weeks ago. The link for the free report via the dispute method is gone. We ruined it for everyone else. :smileywink:

Valued Contributor
Posts: 1,926
Registered: ‎10-23-2007
0

Re: Disputing with Transunion

Hate to say llecs but i believe we did...shoot! 

 

I guess i'll keep my CCT account active now...

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.