topic Re: Transunion Credit Report Question in General Credit Topics

Transunion Credit Report Question

Anonymous — Mon, 11 Apr 2016 15:16:43 GMT

Hi! I noticed that an automobile loan I paid off years ago had a late payment on it that was incorrect, when I disputed this with Transunion they deleted the entire record.

Is there anyway to contact them to have them update that 1 payment as correct and put the account back? My concern is my AAOA and that since that's the only car loan I've ever had I really like having it in the mix.

Re: Transunion Credit Report Question

Anonymous — Mon, 11 Apr 2016 17:18:28 GMT

@Anonymous wrote:
Hi! I noticed that an automobile loan I paid off years ago had a late payment on it that was incorrect, when I disputed this with Transunion they deleted the entire record.

Is there anyway to contact them to have them update that 1 payment as correct and put the account back? My concern is my AAOA and that since that's the only car loan I've ever had I really like having it in the mix.

Yeah, unfortunately, thats the risk of disputing payment history on old accounts.Not likely to get them to "put it back".

Re: Transunion Credit Report Question

RobertEG — Mon, 11 Apr 2016 18:19:42 GMT

If you only disputed an item under an account and the whole account was deleted, then it is likely that the deletion was not done by the CRA as a result of their reinvestigation of the dispute, but rather the creditor decided to delete all reporting, likely to preclude any more disputes that waste their time and money to investigate.

I would presume that the CRA never sent a formal Notice of Results of Reinvestigation accompanied by a modified copy of your credit report, which would have been requried if they had done the deletion based on their reinvestigation.

Once receiving a copy of the dispute, if the creditor deletes the account, any dispute becomes moot, and no Notice of Resutls is then requuired to conclude an reinvestigation of now non-existent reporting.

Re: Transunion Credit Report Question

Anonymous — Mon, 11 Apr 2016 19:06:36 GMT

@Anonymous wrote:
@Anonymous wrote:
Hi! I noticed that an automobile loan I paid off years ago had a late payment on it that was incorrect, when I disputed this with Transunion they deleted the entire record.

Is there anyway to contact them to have them update that 1 payment as correct and put the account back? My concern is my AAOA and that since that's the only car loan I've ever had I really like having it in the mix.
Yeah, unfortunately, thats the risk of disputing payment history on old accounts.Not likely to get them to "put it back".

FWIW, I had the same exact thing happen with one of my older car loans.

Re: Transunion Credit Report Question

Anonymous — Mon, 11 Apr 2016 19:25:59 GMT

Thanks for the help everyone, I should have left well enough be.