Is this something I dispute in writing?

[Anonymous]

I had a car loan with a small credit union that was paid off by the dealer when I traded it in last month. Experian and Equifax show it closed, 0 balance.

TransUnion has not updated this auto loan for payments since June. It just has “U” for unavailable each month, where EX and EQ updated monthly.

I have a new car loan and the two loans on one report is throwing my DTI off and I was recently denied an credit card from a TU pulling lender and the reason was the status of the auto loan that hasn’t updated for 5 months.

When I call the credit union, they just say “we update every month” and tell me I must be reading my report wrong.

Again, this doesn’t report as a “negative” item, it just is throwing off my DTI.

Can I dispute this through TU and if so do I just say this loan is paid in full? I never received a payoff letter from the CU, just a refund check from them for the overpayment by the dealer estimate on the payoff.

The CU removed the account from online access the day they got the check from the dealer so there isn’t anything I can get from the website.

The CU on the phone acknowledges that it’s paid off and just says I don’t know how to read my credit report because they claim they told them it is paid.

[Remedios]

That should be relatively simple dispute, so online would probably work because you're not disputing any negative info 

Reason for dispute is "paid in full" 

There is a possibility this is mess up on TU part, because identical data is provided to all three CRA.

In any case, you already did the direct dispute step (with a lender)

Now you file dispute with TU. If that fails, CFPB complaint time. 

Good luck