I disputed an authorized user account reporting several lates on my file to have it removed. I file the dispute, looking at the credit report no account number is provided, so I was unable to provide one (it is my mother's account and dealing with this through her would be a real pain.) I get no email confirmation of any kind. A week goes by and I hear nothing, so I try to log into the system. It won't even try to give me the security questions and says I need to call them for whatever reason. So I do that, request a callback. An hour later someone calls me back. Apparently since I did not provide an account number, they decided to add my dispute simply as comments on the account (how does this make sense?) They were unable to provide any insights as to their online system not letting me view my disputes online.
They take another dispute over the phone with me, I assume properly this time, and I get a confirmation email. Two days later I get an email the dispute was resolved. I go to the dispute status online and it lets me this time! There is a PDF of my dispute resolution. I click on it, the system hicups, gives me an error and logs me out. I go to check it again, and back to some kind of mystery lockout.
I call again, get someone who can barely speak English. It took 20 minutes for them to get to my dispute on their screen. They say it was resolved as the account listed is no longer on my file. I was unable to do anything but request a copy of my credit report in the mail.
A few days later I am able to pull my report on Credit Karma. Unsurprisingly, the account is still there.
I'm about to give up, I was doing this for a mortgage refi but I gave up on the idea and FICO 8 ignores the account and it is no issue for any other application. Of course now I have some weird dispute comments on the account.
