Transunion kept late report, Experian and Equfax are clear!

[Anonymous]

Hi Fico people, 

I am so glad that I have a chanse to write you and get some help. I will be short, and not want to take your time a lot.

I have Citibank credit card, and I have late fee 30day reported to equifax this year  in February. I did my research, and tried the goodwill letter and sent them explanation why it happened via certified mail. After a month, I received the dispute letters and emails from equifax.

 I quickly realiazed, that that Citibank doing somethign in my favor. I was so hapyy, because after that my credit report was cleared and my fico went up to 60 and reach the 800ish. But after a month, transunion lowered my score, and reported that late fee in their records. I called back and forwards, no one took care of that. I opened dispute with them many times, asking that Citibank already cleared from my equifax, why they keep that? they told me many times, that my creditor citibank sent that, so I need to ask them to clear that. I called many times to Citibank, they said, "we are not reporting Transunion, we work only with Equifax". So, i really confused, 10 days ago, I pulled my credit report from 3 agencies, printed out, and sent to Transuion, to show that no Equifax, no Experian has that late, my record is clear, only they carry that late. But they still didn't resolve this issue, i got the mail from Citibank, that my account is correct... you know the standard mail.  So, I want to ask you to help me what to do???? what steps should I do to solve this issue? plase help...

thank you in advance, 

Sincerely, 

Aram M.

[elixerin]

hey, sorry it took a while for someone to reply to your issue here.

Citi reports to all three bureaus and must have not sent an updated rendition to TU, keep pushing Citi and reply that the statement of "We only report to equifax" is false, because they reported the correct updated info to 2 bureaus but not the third, and that third is infact being updated so they are definetly not pushing the update to TU.

Hope you get this resolved, best wishes

[Anonymous]

hi, Thank you so much for your reply,

Yes I also understand that CItibank only the party can resolve this issue. I just wondering, if they reported (fixed) 2 of them, why they didn't do the same with TU. And I sent them very clear 2 mails, regarding this, and explained, but no luck. Any other way to approach? I am really upset, I was so close to victory....

Thank you again for your reply,

Best,

Aram M.

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@elixerin wrote:

hey, sorry it took a while for someone to reply to your issue here.

Citi reports to all three bureaus and must have not sent an updated rendition to TU, keep pushing Citi and reply that the statement of "We only report to equifax" is false, because they reported the correct updated info to 2 bureaus but not the third, and that third is infact being updated so they are definetly not pushing the update to TU.

Hope you get this resolved, best wishes

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[elixerin]

it's definetly a Citi bank issue, but if that route isn't working try hitting TU again and explain that the report hasn't updated properly from a bank that regularly updates all three month-to-month and other two have the correct info

[Anonymous]

pls look at your pm.

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@elixerin wrote:

it's definetly a Citi bank issue, but if that route isn't working try hitting TU again and explain that the report hasn't updated properly from a bank that regularly updates all three month-to-month and other two have the correct info

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[randomguy1]

You should ask if Citibank can send you your payment history if they in fact removed the late. If they can provide you with some type of documentation, then you open a dispute and send that to TU. 

[Anonymous]

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@randomguy1 wrote:

You should ask if Citibank can send you your payment history if they in fact removed the late. If they can provide you with some type of documentation, then you open a dispute and send that to TU. 

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I alrrady asked them, so waiting probably 2 weeks then will see. meanwhile i sent a compliant through cfpb, as  Citibnak nor TU don't want to solve this issue.