Transunion deleted entire account/account history after dispute.

[Anonymous]

Hey everyone, here's the deal. Two months ago I saw an error on my credit report whereby Bank of America was reporting incorrect data about my credit card account that was blatantly wrong. I called Transunion and the representative told me to dispute it, so I did and he put the dispute request through to Bank of America. Later on something told me to call back, and when I did I found out through another representative that the credit card account had been completely deleted only minutes after the dispute. I asked the guy on the phone what happened, and he said I don't know, and he basically blamed BOA for removing the entire account. Excuse me... but how can a creditor respond within minutes of a dispute being opened and have the entire account removed, to me that makes no sense. I really think something erroneous is going on with Transunion and their systems, that is why I rarely call in for anything other than general information. I know a few other people who have had nightmares with Transunion as well. Overall, I am in disbelief that an account would be removed in minutes of a dispute when all I wanted to accomplish was having the creditor correct a minor issue on the particular account. Has this type of scenario happened to anyone else?

[Creditwiser]

Often I have seen accounts removed from my reports while under dispute for innacurate data. When the dispute is finished, the account is then placed back on the report. This could be the case for you.  Not long ago I dipsuted some dates on a BoA account and it was removed. When the dispute was resolved, the account was there for all to see !

[RobertEG]

If it is an active account the creditor will report next month, and it should reappear......

[VirusCredit13]

It's something automatic I assume. Whether in Transunion system that removes it while pending investigation, or a automated response when BoA gets a dispute submitted to them, their computers automatically request TU remove the timeline, and then it will be reported again once resolved.

[takeshi74]

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@Anonymous wrote:

I really think something erroneous is going on with Transunion and their systems, that is why I rarely call in for anything other than general information. I know a few other people who have had nightmares with Transunion as well.

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Sounds like you should be requesting paper reports and dispute via mail, keeping copies of everything.  Always be careful disputing.  If you can get the creditor to correct it then have them do so.

[Anonymous]

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@Creditwiser wrote:

Often I have seen accounts removed from my reports while under dispute for innacurate data. When the dispute is finished, the account is then placed back on the report. This could be the case for you.  Not long ago I dipsuted some dates on a BoA account and it was removed. When the dispute was resolved, the account was there for all to see !

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That's really good to know that the account usually reappears after a dispute, because most of the Transunion phone representatives I spoke with clearly did not know what actually happened nor did they know how to explain the vanishing account. It seems to me that if a person works for a credit bureau, they should know what happens to an account during a dispute process. No disrepect to the Transunion employees in general, but a lot of their communication and problem solving skills are not "up to par" compared to the other two credit bureau agencies. 

[Anonymous]

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@takeshi74 wrote:

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@Anonymous wrote:

I really think something erroneous is going on with Transunion and their systems, that is why I rarely call in for anything other than general information. I know a few other people who have had nightmares with Transunion as well.

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Sounds like you should be requesting paper reports and dispute via mail, keeping copies of everything.  Always be careful disputing.  If you can get the creditor to correct it then have them do so.

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You are right, when it comes to disputing an account with credit agencies, there is occasionally the risk of a blunder or mistake sometimes, that's why I definitely keep thorough records by always printing/ordering my most recent credit reports (before I dispute anything) in order to have good documentation.