Dispute past 30 days. *Now past 45 days

[liz01]

I submitted a dispute with Transunion through Credit Karma as on October 23rd. It is past the 30 day mark with no results. What should my next step be? There was a holiday in there so should I allow more time?

UPDATE: it has now been 45 days and still no response from Transunion.

[Medic981]

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@liz01 wrote:
I submitted a dispute with Transunion through Credit Karma as on October 23rd. It is past the 30 day mark with no results. What should my next step be? There was a holiday in there so should I allow more time?

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Does Credit Karma count as a free credit report? If so, TransUnion has 45 days to respond to the dispute.

Out of curiosity, what did you dispute on your credit report?

[Anonymous]

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@liz01 wrote:
I submitted a dispute with Transunion through Credit Karma as on October 23rd. It is past the 30 day mark with no results. What should my next step be? There was a holiday in there so should I allow more time?

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Pro Tip :

Always do your disputes in writing, not online.

Also send them directly to the credit bureau involved.

You can call the TransUnion customer service and see if they even received your dispute. They will tell you over the phone if it is in process or not. They can also likely tell you the estimated completion date.

[RobertEG]

The dispute process timeline under the FCRA does not require that the consumer receive results of a dispute within 30 days of filing.

The process, from date of filing until date of receipt of decision, can routinely take up to approx 45-days.

In more detail, the FCRA sets a period of 30 days from date of filing for the CRA to conclude its investigation, unless the consumer sends additional communications regarding the dispute during the reinvestigation period, which will then extend the reinvestigation period to 45 days.

The CRA then has five business days after expiration of the reinvestigation period to make their decision and communicate their Notice of Results of Reinvestigation to the consumer.  Thus, it can be up to 38 days from filing, assuming a 30-day reinvestigation period, before the CRA is required to communicate their decision.  If the Notice is mailed, then an additonal 5'ish days is tacked on.

Thirty days from date of filing is too soon to assert lack of timely receipt of the Notice of Results of Reinvestigation.

I would give it at least a month and a half.

[liz01]

Thank you for the replies.

Tomorrow should be 45 days (including weekends) and still no response.

What should I do?

[Anonymous]

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@liz01 wrote:


What should I do?

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Please answer Medic's question posed at the end of Post 2.

[liz01]

It was a collection account that has been paid in full to the original creditor, less than $100. I never received anything from CA. When I initially contacted them to find out what the collection was for (it was listed with an unfamiliar name on report.) They told me it was for DirecTV. After talking with DTV several times and calling the CA with them on the line they then said it wasn't for DTV but but for an internet provider I had a few years ago. The internet provider accepted payment, said it was submitted to collection in error and said it would be removed.

[800goal800]

What would happen if the CRA doesn’t get a response from the creditor ?  Is there an absolute final date and if there is no response does it automatically fall into the customers favor?

[liz01]

I'm not sure, I don't know if I should report the CRA for not responding within the allotted time, or if I should contact them and question it.

[800goal800]

I meant what happens if the creditor never responds to the CRA?  Will the dispute be decided in my favor ?