cancel
Showing results for 
Search instead for 
Did you mean: 

Transunion stated they would delete a charge off but still hasn’t

tag
Anonymous
Not applicable

Transunion stated they would delete a charge off but still hasn’t

On 11/11/2020 I submitted a dispute for a Citibank charge off. It was placed as a charge off due to unpaid fraudulent charges that were never properly handled by Citi. 
On 11/24 transunion informed me they finished the investigation and this was the results provided 

 

RESULT:

 
Disputed item deleted
TransUnion investigated your dispute and deleted this item from your credit report.
 
It said it could take up to 7 days to have the results updated.
It's clearly been past 7 days and the item is still on my credit.  
has anyone had this happen or something similar?
 
I'm in the process of rebuilding my credit and every little bit helps.
Any recommendations on next steps.
Thanks in advance 

 

 

 

Message 1 of 6
5 REPLIES 5
GApeachy
Super Contributor

Re: Transunion stated they would delete a charge off but still hasn’t


@Anonymous wrote:

On 11/11/2020 I submitted a dispute for a Citibank charge off. It was placed as a charge off due to unpaid fraudulent charges that were never properly handled by Citi. 
On 11/24 transunion informed me they finished the investigation and this was the results provided 

 

 

 

 


Have you checked your TU cr at annualcreditreport.com?  May have updated results there, gl!

My Take Home Pay Don't Take Me Home
Message 2 of 6
Anonymous
Not applicable

Re: Transunion stated they would delete a charge off but still hasn’t

What source are you using for your TU report?  I would suggest WalletHub if you're not already using it, as you get daily updates at 6am to your TU report.  This way you'd see the day (or day after) it gets deleted. 

 

In the meantime, I'd send of a copy of that deletion notice to TU with a letter asking them to perform the delete again.  In the meantime once you send that off I'd suggest calling them every day once you check WH and see that it isn't gone yet.  While they say these things can take X number of days, it really is instant for the most part once they make the correction on their end.  It sounds to me like they've simply dragged their feet, so just continue giving them a kick in the rear until you see your report look correct.

Message 3 of 6
Anonymous
Not applicable

Re: Transunion stated they would delete a charge off but still hasn’t

I'm using the Transunion website. Made sure it was showing an up to date report. 

thanks for the suggestions. 

Message 4 of 6
Anonymous
Not applicable

Re: Transunion stated they would delete a charge off but still hasn’t

Thanks, I actually have. It still shows the same.

Message 5 of 6
GApeachy
Super Contributor

Re: Transunion stated they would delete a charge off but still hasn’t


@Anonymous wrote:

Thanks, I actually have. It still shows the same.


Since it's still reporting on these latest cr's I'd do what @Anonymous  suggested...be a squeaky wheel.  Good Luck!

My Take Home Pay Don't Take Me Home
Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.