Transunion will not correct or remove inaccurate information

[8isnuf]

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?

[gdale6]

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@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?

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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

[8isnuf]

@gdale6 Thank you for the reply. 

The creditor is definitely a problem. I have fought them for years. One of their representatives, laughing, told me they can do anything they want and there is nothing I can do. I corresponded with the legal department who offered me an absurd settlement offer. Basically pay twice what is owed and waive any right to sue ever. This is when I contacted the Attorney General in that state. Sometime after it was reported as delinquent "conventional real estate mortgage" with no other history. 

I thought the FCRA mandates CRAs only report correct information. You are the first to indicate the creditor must correct any error. The CFPB attempted to assist but to no avail. I was notifed the creditor was not in its system and could not be contacted.

I requested proof of investigation from TU in writing after being notifed the debt was verifited but received something again stating it was verified with no further explanation. When I called TU the representative told me the account was verified electronically. There was no investigation. I explained I submitted documentation to prove the inaccuracy. She told me she could delete the account if I experienced any identity theft and provided the police report. I had a police report because of an unauthorized charge on a checking account and explained it was unrelated. She said it would suffice. I sent the police report but the account still was not deleted. The representative also told me that Capital One reported the employment last year. I opened a savings account with them in mid to late 2000s I think. 

If it were accurately reflected, I would not be asking for it to be deleted but currently it appears that I am not paying for my primary residence. Landlords will not even approve rental applications because of it. I have yet to find an attorney willing to handle because the amount reflected is under $10k (reality is much lower) and if sued, it would be in that state. 

Thanks for the tip regarding the employment. I will research the other issue further. I appreciate the assistance. 

[Anonymous]

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.