topic Re: Dispute Remarks Removal denied with Transunion in General Credit Topics

Dispute Remarks Removal denied with Transunion

JMCB — Sat, 29 Apr 2017 22:40:22 GMT

Last year I disputed some items on my credit report regarding some late payments on some installment loans from 5 years ago. They removed the negative late payments. Now I am applying for some new loans and I want the remarks removed "Dispute Resolved; customer disagrees". They removed the items, I am happy, I agree with the dispute resolution but I cant seem to get them removed with Transunion. Experian and Equifax removed them within a week. Transunion waited 3 weeks then sent me a new copy of my credit report in the mail. It showed them still on there. I called them back and again asked for the same department " Special Handling Department,", they told me they could do my request. They informed me that the loan company disagrees with the decision and they didn't approve the remarks being removed. WWhhatt?! The remarks say I disagree, not them. If they disagree then why don't they put the late payments back on there? So the lady at Transunion resubmitted the request and told me it would be another 30 days. Any advice? Anyone here of that excuse?

Re: Dispute Remarks Removal denied with Transunion

Revelate — Sat, 29 Apr 2017 22:54:39 GMT

@JMCB wrote:
Last year I disputed some items on my credit report regarding some late payments on some installment loans from 5 years ago. They removed the negative late payments. Now I am applying for some new loans and I want the remarks removed "Dispute Resolved; customer disagrees". They removed the items, I am happy, I agree with the dispute resolution but I cant seem to get them removed with Transunion. Experian and Equifax removed them within a week. Transunion waited 3 weeks then sent me a new copy of my credit report in the mail. It showed them still on there. I called them back and again asked for the same department " Special Handling Department,", they told me they could do my request. They informed me that the loan company disagrees with the decision and they didn't approve the remarks being removed. WWhhatt?! The remarks say I disagree, not them. If they disagree then why don't they put the late payments back on there? So the lady at Transunion resubmitted the request and told me it would be another 30 days. Any advice? Anyone here of that excuse?

The request probably was just misinterpreted... I'd check over in the mortgage forum as that's where dispute remarks matter and there's a sticky with that information in it though I personally talked to the same group you did when I had to get rid of my own but that was two years ago now.

Re: Dispute Remarks Removal denied with Transunion

RobertEG — Sun, 30 Apr 2017 00:45:28 GMT

Send a written complaint to the CFPB for CRA lack of correction of admitted innacuracy.

Re: Dispute Remarks Removal denied with Transunion

JMCB — Sun, 30 Apr 2017 03:32:11 GMT

I read through those threads but never heard of an excuse like that. But thank you guys for the info and advice! I'll follow up and see what happens. Thx

Re: Dispute Remarks Removal denied with Transunion

RobertEG — Mon, 01 May 2017 15:10:56 GMT

The FCRA permits a consumer, if a dispute is not resolved in their favor, to add a statement to their credit report as to their disagreement.

See FCRA 611(b) and (c).

That apparently is not the scenario described in the post, as it is stated that the dispute was resolved to the benefit of the consumer.

Thus, any inclusion of a statement referencing a disagreement by the consumer is apparently improper.

I would recommend filing a complaint with the CFPB for the improper inclusion of reference to an asserted disagreement by the consumer that was never submitted under FCRA 611(b).