Identity theft during underwriting

[Anonymous]

I called Verizon since the collection is coming directly from them. The woman was downright rude and started yelling at me, saying they closed the account and it is no longer reporting to any of the credit bureaus. She told me that TransUnion is apparently way behind Equifax and Experian when it comes to reporting. So Verizon was unable to do anyting since they have already closed the account and notified TransUnion. This is why I feel that TU is in violation of something, since the original creditor has closed the account and marked it fraudulent.

[donkort]

I assume that TransUnion, by law, HAS to delete that account.

[Anonymous]

Unfortunately, TransUnion does not agree with this

They are claiming this account has been reporting as of January 31, 2020. Funny, as I applied for a mortgage loan between January 31st and March 6th, and it was not on my credit report until March 6th. The TransUnion rep AGREED with this as well, saying it did not show up on my credit report dated February 2nd and that she would "make a note of it in my dispute file".

I am hoping the documents I sent on Monday will be received today. Then wait another 5 business days for "processing"...

In the meantime, I drafted a letter explaining this ridiculous situation in the event the underwriter asks for it when doing a credit refresh. They already have my FTC identity theft report and the letter from Verizon Wireless, so I am trying to think positive and hope this all should suffice to explain the account. 

[donkort]

Even if it's reporting----so what?  It's a fraudulent account.

The other two bureaus saw fit to delete it.

I'm wondering if you can speak with a supervisor at Verizon, rather than one of the phone center workers.  

[Anonymous]

I just got off the phone with Verizon's fraud department, and the rep stated that they sent a letter out to all 3 bureaus on February 6th, the same day they sent it to me. Which makes sense, because Eq and Ex deleted it by February 14th. TransUnion is in clear violation by not removing it and reporting this now. Verizon rep stated they can resend the notice to TransUnion again, but TU could possibly increase the amount of time for the dispute because, as he stated, "it would be typical of TransUnion to do this". Should I have them resend? My first thought was not to because I don't want to cause any more issues.. but now I'm second guessing myself.

[donkort]

I would talk to your loan officer about the conversation you had with the Verizon representative.

I wish you could have Verizon re-send the fraud notice.