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Transunion will not correct or remove inaccurate information

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8isnuf
Established Member

Transunion will not correct or remove inaccurate information

Transunion is reporting a collection account as a "conventional real estate mortgage". This was a "vacation" club mistake many years ago. I negotiate with the company for 2 years because despite taking my money, I received nothing in return. The state Attorney General began an investigation. This is when they reported negative information to the CRAs.

 

I disputed the information with all 3.  Equifax and Experian removed it from the reports. Transunion keeps saying it has been verified but will not tell me how it was verified. My disputes were electronic, certified mail and via telephone. I have reported this to the CFPB and everyone else I could think might help.

 

This is killing me because it is impacting my credit but even more importantly, it can keep me from getting a license in my chosen profession. At times TU will report it as another kind of account such as "miscellaneous" and status at times reflects "account paid in full - was collection". When I call, the Transunion reps tell me to prove it is not a conventional real estate mortgage. I have submitted documentation but still get nowhere.

 

Today I received notice of a change to my report so I checked it on Transunion's site. Now it shows a "conventional real estate mortgage" and "Collection / Charge-Off".  TU is also reporting an employer that is inaccurate. I was told Capital One reported it. I have a savings account with Capital One and that is not where I was working when I opened it nor ever. I have no idea what to do to get it corrected. Suggestions?

 

Message 1 of 4
3 REPLIES 3
gdale6
Moderator Emeritus

Re: Transunion will not correct or remove inaccurate information


@8isnuf wrote:

Transunion is reporting a collection account as a "conventional real estate mortgage". This was a "vacation" club mistake many years ago. I negotiate with the company for 2 years because despite taking my money, I received nothing in return. The state Attorney General began an investigation. This is when they reported negative information to the CRAs.

 

I disputed the information with all 3.  Equifax and Experian removed it from the reports. Transunion keeps saying it has been verified but will not tell me how it was verified. My disputes were electronic, certified mail and via telephone. I have reported this to the CFPB and everyone else I could think might help.

 

This is killing me because it is impacting my credit but even more importantly, it can keep me from getting a license in my chosen profession. At times TU will report it as another kind of account such as "miscellaneous" and status at times reflects "account paid in full - was collection". When I call, the Transunion reps tell me to prove it is not a conventional real estate mortgage. I have submitted documentation but still get nowhere.

 

Today I received notice of a change to my report so I checked it on Transunion's site. Now it shows a "conventional real estate mortgage" and "Collection / Charge-Off".  TU is also reporting an employer that is inaccurate. I was told Capital One reported it. I have a savings account with Capital One and that is not where I was working when I opened it nor ever. I have no idea what to do to get it corrected. Suggestions?

 


Its not the CRA refusing to correct the info its the reporting creditor. Im not sure how timeshares should report so it could be correct, you will need to research this. If it is reporting wrong you will need to go directly to the creditor with demand for correction and in that letter even possibly mention you may sue to get the correct reporting. You already have tried with the CRA and before you can sue you had to do that so make sure to keep everything in relation to this to prove your case should it become necessary.

 

As far as the employer send request to the CRA via US Mail that you want all previous employers deleted from your file. If its reporting as your current employer then send copy of your paystub and request current be updated to reflect the true one. Welcome to the board Smiley Happy

Message 2 of 4
8isnuf
Established Member

Re: Transunion will not correct or remove inaccurate information

 

 

 

 

 

 

 

Message 3 of 4
Anonymous
Not applicable

Re: Transunion will not correct or remove inaccurate information

You need to call your congressman and make as much noise about them as possible. Post on social media, RIP off report, trust pilot, everywhere. Put them on blast and hit them where it hurts.
Message 4 of 4
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