Reply
Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

TU dispute - additional manual processing?

I disputed to collection accounts online with TU and just logged in to check on status and got this message:

 

We have discovered that your request requires additional manual processing. As a result, online delivery of your dispute resolution is unavailable at this time.

You will receive a mail soon with further instructions

 

 

 

Any clue why I got this/what happens next?

 

The 2 CAs are reporting incorrect information and the debt was paid thru a different CA (rjm)...

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Established Member
Posts: 13
Registered: ‎06-09-2007
0

Re: TU dispute - additional manual processing?

I got that message last month as well, however the next day I got an email that my results were ready to be viewed.
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: TU dispute - additional manual processing?

The original CA (RJM) was it paid in full or did you settle?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

Re: TU dispute - additional manual processing?


rootpooty wrote:

The original CA (RJM) was it paid in full or did you settle?


I paid RJM this week (pfd with letter confirming delete/debt satisfied)

 

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: TU dispute - additional manual processing?

So 2 new CA's are reporting the same account that was paid/sattisfied with RJM?  Did you pay the balance in full with RJM or did you settle for a percentage?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

Re: TU dispute - additional manual processing?

The 2 CAs were reporting before I ever paid RJM.

 

I called the OC who said the debt was with RJM, not the other two (although they had been at one time according to OCs record, but according to OC, RJM was the current CA holding the debt)

 

So, I paid RJM with pfd letter.  I paid $50 on a $116 balance and they sent me a letter with the wording "account has been satisfied in full" and "As per your specific request, an update is being sent to Trans-Union and Experian instructing them to have the tradeline deleted on the above referenced account"

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: TU dispute - additional manual processing?

Ok thats great RJM is easy to deal with.  Are the other 2 CA's reporting a balance?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Mega Contributor
Posts: 19,449
Registered: ‎03-19-2007
0

Re: TU dispute - additional manual processing?

If prior debt collectors had collection authority and reported that fact to the CRAs, termination of their collection authority and placement or sale of the debt to another debt collector does not mandate the prior debt collector to then delete their reporting.  They are, however, required to update the balance they are authorized to collect to $0, and close their collection.

 

If they have not done so, then yes, you can dispute the current accuracy of their reporting.  However, they can simply provide the required update, thus making their reporting accurate.  Presence of inaccuracies do not mandate deletion if they can be corrected.

Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

Re: TU dispute - additional manual processing?

Sure enough got an email in the early hours of the morning saying the dispute had been processed, please log in to view.   Of course I was a bit nervous that it came back so soon (less than 48 hours).

 

Here are the results  OHHHHHHH YEAHHHHH!!!  Bye bye two collections from my report!!!

 

Account information

ITEM DESCRIPTION RESULTS
BUREAU OF COLLECTION REC# 5****DELETED
NTL RECOVERY AGENCY# 1****

DELETED

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013

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.