TransUnion sucks - disputing items

[Anonymous]

So I used MyFico to generate a letter to dispute a bunch of incorrect stuff on my TransUnion report. I mailed it in. Today I get a letter back from TransUnion that basically says, "We subscribe to a service that sends us information and if it's wrong, YOU have to contact the creditors and request that they report it to us and it may take 4-6 months since we get the information on tapes". What's up with that? So they basically say that their information is already "validated" and if it's wrong, I have to now contact each creditor and "ask" (since you can't REQUIRE them to send the info to the credit bureau) that they "voluntarily report the account information" to TransUnion? That's crap.

[Anonymous]

Although I have never done a dispute by mail, I have never heard that one. I disputed with TU online and they deleted several items.

[Anonymous]

I have never used myfico to dispute so I have no idea.........What did you dispute and for what reason?

[Anonymous]

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@Anonymous wrote:
Although I have never done a dispute by mail, I have never heard that one. I disputed with TU online and they deleted several items.

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When you purchase a 3-in-1 report from MyFico, and you list the report, there's a link on the right-hand side to dispute the item. MyFico only lets you dispute online for Equifax. Experian and TransUnion, it makes you click the items and creates a letter for you. Where do you go on TransUnion to dispute an item? I only see on their website to BUY a report, not to dispute one. Thanks!

[Anonymous]

They had 3 cards with balances that were WAY old (months) whereas EQ and EXP were updated. 4 cards with majorly old CL information (totaling about $20,000 "missing" in CL). And 2 accounts that were not listed that have been open for 9 months.

[Anonymous]

I was referring to your comment about their response. Have you tried to get copies from annualcreditreport.com? That is initially where I started and I believe they provide all the info. I am pretty sure you have to buy a report from TU first in order to dispute. They had a free trial that I used before I started buying. Not real sure if they still do.

[Anonymous]

https://annualcreditreport.transunion.com/user/returnUser.jsp

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@Anonymous wrote:

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@Anonymous wrote:
Although I have never done a dispute by mail, I have never heard that one. I disputed with TU online and they deleted several items.

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When you purchase a 3-in-1 report from MyFico, and you list the report, there's a link on the right-hand side to dispute the item. MyFico only lets you dispute online for Equifax. Experian and TransUnion, it makes you click the items and creates a letter for you. Where do you go on TransUnion to dispute an item? I only see on their website to BUY a report, not to dispute one. Thanks!

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[Anonymous]

I called TransUnion today to get them to change my address and name according to my drivers license as I have been trying to get this taken care of and updated for a while, via online and good ole hard copy snail mail, including a copy of my DL and SS card. Found out this call center was in India, which i'm not all that thrilled about and you can imagine why. Its irritating number one not to be able to understand the person that has access to all my personal financial information, but also that jobs are created there and not here for those positions. Disputed in March a few items that are corrected on Experian, still cannot get corrected with TransUnion. Yes i was told the same thing about my name, i'd have to have all creditors send in information with my actual name spelled correctly for the correction to take place.

[laz98]

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@Anonymous wrote:
I called TransUnion today to get them to change my address and name according to my drivers license as I have been trying to get this taken care of and updated for a while, via online and good ole hard copy snail mail, including a copy of my DL and SS card. Found out this call center was in India, which i'm not all that thrilled about and you can imagine why. Its irritating number one not to be able to understand the person that has access to all my personal financial information, but also that jobs are created there and not here for those positions. Disputed in March a few items that are corrected on Experian, still cannot get corrected with TransUnion. Yes i was told the same thing about my name, i'd have to have all creditors send in information with my actual name spelled correctly for the correction to take place.

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i think it's because they can't remove if it creditors are reporting the information that way.  so even if they did remove it, it would just get reported again the next month, you know?  so you might want to make sure all of your creditors are reporting the correct information.

[RobertEG]

CRAs dont record such information purely for informational purposes. 

They use it in their daily business.

When a creditor reports to a CRA, the CRA must first match the reporting with your credit file before it can enter the information.

The CRA uses a matching algorithm that has several matching components, such as SSN, name, and address, to determine which file to post the information to.

If the creditor identifiers are out of synch with those of the CRA, then reporting can become mismatched with the incorrect credit file, or not even be matched at all.

Usually, if SSN matches, that is good enough, but not always.  So I can see the reason for the CRAs to want the creditor to first update the matching criteria before altering their files.