I have been disputing a collection account with transunion since october. I disputed online first 10/12/10 they claim they didn't have the dispute even though I have a confirmation from them. then I called on 10/20/10 to check the status because the collection agency told me to dispute it and they would remove it when they receive the dispute. guess what no active dispute on that account so I re-disputed it that same day. on 11/03/10 I check the status of the dispute and a cust svc rep said they have no record of a dispute again and asked if I would like to dispute it again. I said NO!! get me someone on the phone that can tell me what happened to the other two disputes. got a supervisor supposedly. he told me that the dispute had been closed and that the collection agency verified it as a valid debt. I asked what proof did they send because the CA told me to dispute it because the OC couldn't not supply them with any paper work to support the collection. transunion told me they send disputes electronically to the CA and they respond back the same way and they verified it as a valid debt no backup or nothing was sent. transunion can not supply me with any support as to how this was verified. the CA told me they never received any dispute from them. what they did receive was transunion asked to verify name, ss#, and address that's it. I can't believe that this is the way they investigate a dispute. again transunion can not supply me with any information they got from the collection agency but that it was verified. is this how the VERIFICATION process works with them?
Starting Score:05/02/2010- TU-589-EQ-549
@ JM-AM the CA is gonna take care of it. when they send the file next month it will be deleted then. they have already sent the file for november. i just think more should go into an investigation of a dispute than verifying name, ss#, and adress. i'm not disputing my personal information. i'm disputing the debt. there should be some laws passed against this. it is to easy to put negative items on a credit report with out any proof and to hard to remove them with proof.
@JM-AM wrote:You are not alone. I believe everyone feels just as you do.
Just glad things are being taken care of for you now.
Good Luck
You got that right...I cannot stand TU! 
It seems like they are always the last to delete/update anything. We paid off a loan with Pioneer that was reporting to DH's CRs back on September 15th. EX and EQ updated and showed a zero balance within 2 weeks. On the 1st of November TU still showed a balance...in fact, they hadn't updated since last May, so it was showing him owing over $500 on the loan. So, we disputed online and TU completed their investigation yesterday...saying "verified, unchanged." So, DH actually called Pioneer today and told the lady that TU hadn't updated. She said that she would go in and manually fix it to show as paid in full.
Very frustrating...I honestly don't know who to be angry with. I always thought it was the OCs fault for not updating...but after we talked to the CSR with Pioneer (who was very nice and professional), I'm starting to think it's TU's fault, for some reason. Does anyone here know how their system works?
