topic Re: 🤪1 dispute, 3 different results in General Credit Topics

🤪1 dispute, 3 different results

GApeachy — Wed, 21 Jun 2023 15:48:34 GMT

(Just a little humorous post)

In order to lower tcl I had myself removed from all of Dh's CC's.

Todays update is Comenity/Sguidevs

1. Exp- removed acct all together 🥸

2. EQ- states I'm still an AU on open acct.🤨

3. TU- now is my "Individual" open acct. 😂

Thought about all you guys doing disputes here lately for whatever reason and just wanted to say....... Good luck, Don't hold your breath, Brace yourself, and finally.... 🎶You can't always get what you want🎶.

Life's messy, clean it up 🧽🫧👍

Re: 🤪1 dispute, 3 different results

GZG — Wed, 21 Jun 2023 15:53:22 GMT

@GApeachy wrote:
3. TU- now is my "Individual" open acct. 😂

does that make this an approval thread? /s

good luck getting it fixed with TU/EQ

Re: 🤪1 dispute, 3 different results

GApeachy — Wed, 21 Jun 2023 16:24:38 GMT

@GZG wrote:
@GApeachy wrote:
3. TU- now is my "Individual" open acct. 😂

does that make this an approval thread? /s

good luck getting it fixed with TU/EQ

Lol, looking at it that way, yes it does and a sp to boot! Being nothing was reported in a negative manner I'm not gonna bother trying to correct. Over time it'll probably report correctly, might take a few updates, we'll see.

I can't wait to see what happens next! Will update as soon as the rest update.

Re: 🤪1 dispute, 3 different results

Jnbmom — Wed, 21 Jun 2023 16:42:01 GMT

@GApeachy wrote:
(Just a little humorous post)

In order to lower tcl I had myself removed from all of Dh's CC's.

Todays update is Comenity/Sguidevs
1. Exp- removed acct all together 🥸
2. EQ- states I'm still an AU on open acct.🤨
3. TU- now is my "Individual" open acct. 😂

Thought about all you guys doing disputes here lately for whatever reason and just wanted to say....... Good luck, Don't hold your breath, Brace yourself, and finally.... 🎶You can't always get what you want🎶.

Life's messy, clean it up 🧽🫧👍

I just took myself off dh's account that is carrying a balance for BT . TU removed account within minutes poof gone . Still waiting on EXP and EQ lord knows lol

Re: 🤪1 dispute, 3 different results

GApeachy — Wed, 21 Jun 2023 17:01:55 GMT

@Jnbmom wrote:
@GApeachy wrote:
(Just a little humorous post)

In order to lower tcl I had myself removed from all of Dh's CC's.

Todays update is Comenity/Sguidevs
1. Exp- removed acct all together 🥸
2. EQ- states I'm still an AU on open acct.🤨
3. TU- now is my "Individual" open acct. 😂

Thought about all you guys doing disputes here lately for whatever reason and just wanted to say....... Good luck, Don't hold your breath, Brace yourself, and finally.... 🎶You can't always get what you want🎶.

Life's messy, clean it up 🧽🫧👍

I just took myself off dh's account that is carrying a balance for BT . TU removed account within minutes poof gone . Still waiting on EXP and EQ lord knows lol

Did you dispute? Or did the ccc report it to TU immediately?

Re: 🤪1 dispute, 3 different results

Jnbmom — Wed, 21 Jun 2023 17:48:03 GMT

@GApeachy wrote:
@Jnbmom wrote:
@GApeachy wrote:
(Just a little humorous post)

In order to lower tcl I had myself removed from all of Dh's CC's.

Todays update is Comenity/Sguidevs
1. Exp- removed acct all together 🥸
2. EQ- states I'm still an AU on open acct.🤨
3. TU- now is my "Individual" open acct. 😂

Thought about all you guys doing disputes here lately for whatever reason and just wanted to say....... Good luck, Don't hold your breath, Brace yourself, and finally.... 🎶You can't always get what you want🎶.

Life's messy, clean it up 🧽🫧👍

I just took myself off dh's account that is carrying a balance for BT . TU removed account within minutes poof gone . Still waiting on EXP and EQ lord knows lol
Did you dispute? Or did the ccc report it to TU immediately?

I disputed it

Re: 🤪1 dispute, 3 different results

GApeachy — Wed, 21 Jun 2023 18:50:13 GMT

@Jnbmom wrote:
I disputed it

Well Sistah, proof I'm the bad apple. Lol, can't wait to see what's next with the rest😅

Re: 🤪1 dispute, 3 different results

Jnbmom — Sat, 24 Jun 2023 00:38:47 GMT

@GApeachy

EQ deleted still waiting on EXP which surprises me lol

Re: 🤪1 dispute, 3 different results

FireMedic1 — Sat, 24 Jun 2023 09:34:30 GMT

@GApeachy @Jnbmom Be nice ladies. The 3 CRA's a suffer from Tripolar.

Re: 🤪1 dispute, 3 different results

GApeachy — Sat, 24 Jun 2023 12:38:35 GMT

@Jnbmom wrote:
@GApeachy

EQ deleted still waiting on EXP which surprises me lol

@Jnbmom so far...........

EQ= 2 complete, 3 incomplete (1 correct)

TU= 1 complete, 4 incomplete (0 correct)

EX= 4 complete, 1 incomplete (3 correct)

The timeframe I was given is July 22, 2023.

@FireMedic1 nothing but ....and yeah, "tripolar" behavior witnessed.

Re: 🤪1 dispute, 3 different results

coldfusion — Sat, 24 Jun 2023 12:56:59 GMT

If TU was truly being TU they wouldn't have just screwed up the change, they would have whined about doing it.

I'm surprised that EX is being pokey, IME they're always the 1st ones out of the gate.

Re: 🤪1 dispute, 3 different results

Jnbmom — Sun, 25 Jun 2023 11:25:59 GMT

@coldfusion wrote:
If TU was truly being TU they wouldn't have just screwed up the change, they would have whined about doing it.

I'm surprised that EX is being pokey, IME they're always the 1st ones out of the gate.

Me too EXP is always right on it . Funny still no dispute results from EQ but it was gone and updated on CK so who really knows lol

Re: 🤪1 dispute, 3 different results

GApeachy — Fri, 30 Jun 2023 02:17:57 GMT

Well @Jnbmom my Regions won't budge.........another LOLzzzzzzzzz dispute saga

I hoped Exp took extra time (since June 15) to confirm I'm no longer an AU (since April 2022) plus viewing their own status updates that ceased in 2022 would suffice. Not to mention confirmation through Regions. Btw, this is an active acct. of Dh's, monthly use without fail. June 2022 through June 2023 I've requested twice now to have dh's Regions CC removed from my "open accounts" as I have not been an AU since April 2022. Experian shows last "Status Update" June 2022. It appears we've reached an impasse.

Re: 🤪1 dispute, 3 different results

coldfusion — Fri, 30 Jun 2023 11:43:00 GMT

Wait for the 30 days after filing the dispute and if it isn't fixed consider filing a CFPB complaint against EX for incorrect reporting, noting that Regions has already confirmed to you that they're providing accurate information.

Re: 🤪1 dispute, 3 different results

Jnbmom — Fri, 30 Jun 2023 18:17:21 GMT

@GApeachy

Sorry Sistah . I have still not gotten dispute results from EQ but it's off on CK. Exp has done anything either . Just got the letter from PNC for hubby stating I was removed guess I can send that. It's not a hard request geez

Re: 🤪1 dispute, 3 different results

GApeachy — Sat, 01 Jul 2023 10:25:44 GMT

@coldfusion wrote:
Wait for the 30 days after filing the dispute and if it isn't fixed consider filing a CFPB complaint against EX for incorrect reporting, noting that Regions has already confirmed to you that they're providing accurate information.

Okay, I will....thank you!

Re: 🤪1 dispute, 3 different results

GApeachy — Sat, 01 Jul 2023 10:47:25 GMT

@Jnbmom wrote:
@GApeachy

Sorry Sistah . I have still not gotten dispute results from EQ but it's off on CK. Exp has done anything either . Just got the letter from PNC for hubby stating I was removed guess I can send that. It's not a hard request geez

Like you, I'm surprised with the response time and quite frankly the results thus far are disappointing. This is proof you have to be you're own advocate because I'm not convinced for one second that they performed an investigation. I too received a letter yesterday stating updated "terminated au" status was indeed reported to the cb's. Interesting that you and I are having the same difficulty on something that seemingly is a quick fix.

In my experience if you give any one of the cra's multiple "simple" requests you're asking for a cluster!@#$ of mixed results. How is that they can EE derogs within seconds yet re-report an existing tl while changing the individual ownership? Or one cra will change your status to "terminated au" and leave it on your cr under closed accts. while another cra will totally remove it from your cr. You'd think all 3 cra's would follow the exact same reporting requirements.....but they don't. Because it's up to the consumer to find and make request updates/changes Annualcreditreport should continue to be a free service indefinitely.

Re: 🤪1 dispute, 3 different results

Jnbmom — Sat, 01 Jul 2023 17:39:37 GMT

@GApeachy

EQ finally sent result EXP 🙄

Re: 🤪1 dispute, 3 different results

GApeachy — Sat, 01 Jul 2023 21:40:02 GMT

Fantastic Sistah!

So I just rechecked dispute status on MyEquifax...latest results:

EQ must have had a change of heart and just deleted Sportsman's Guide vs👍👏deleted Sam's club mc👍 deleted Home Depot👏 but they went sour on me with Amex👎....its still in my open accts as an active AU.

Re: 🤪1 dispute, 3 different results

Jnbmom — Sun, 02 Jul 2023 23:30:16 GMT

@GApeachy

Exp was kind enough to let me know they are still working it geez thanks 😳