Sultan Posted March 24, 2005 Report Share Posted March 24, 2005 O.K.heres the deal, I disputed an installment account with TU, which was showing 8 late payments, I knew that was an error, I dealt with the OC and had them correct the amount that they said I owed, to $0 thats why I didn't pay on the account because I knew they had over charged me, they knew it too, tried to blow me off last summer with a blah, blah, we'll look into it and get it corrected then started to bill me again. I stayed on them and they ultimately gave in and zero'd out the account and agreed that every late they claimed was in error. Next, I disputed the late payment history with the infamous TU and those jack#@$%motha@#$!$sons^T%^&@^!~$ deleted the account!My question is, how to I proceed from here, the account should be an 83 month positive payment history, now its 'poof' gone all together from TransUnioin.Can I ask them to reinsert the account reflecting the age and history with a paid as agreed status? Those retards should have just shown the account closed and paid as agrees with a zero balance.Anyone else ever experience this and what is the best course of action?I wan't the account on my report with TU, as I said its 83 months of positive payment history, and a completely paid off account. Its a shame that they deleted it like they did. What shoud I do?DD, Meth, Admin, croft, Xan, Dive, MH, Everyone else please help me figure this thing out, its causing me to lose sleep at night. Link to comment Share on other sites More sharing options...
workinninetofive Posted March 24, 2005 Report Share Posted March 24, 2005 I have NEVER heard of someone being sucessful at this. Anytime you dispute lates there is a big risk of *poof*. You'll have better luck getting the OC to report it. How long ago has it been? IMHO Link to comment Share on other sites More sharing options...
Sultan Posted March 24, 2005 Author Report Share Posted March 24, 2005 I have NEVER heard of someone being sucessful at this. Anytime you dispute lates there is a big risk of *poof*. You'll have better luck getting the OC to report it. How long ago has it been? IMHOYeah i'd actually have better luck trying to play pickup sticks with my butt cheeks, than to have the OC do anything more, getting them to deal with it and zero the balance was a feat in itself, they blew me off and nicey, niced me over & over & over & over again, I must have called them 25+ times to get them to finally zero the account as it should have been way back when, I made my last payment and my records showed paid in full.Guess i'm screwed. Link to comment Share on other sites More sharing options...
workinninetofive Posted March 24, 2005 Report Share Posted March 24, 2005 Now, that's a visual. I'm pming you. Link to comment Share on other sites More sharing options...
DocDon Posted March 24, 2005 Report Share Posted March 24, 2005 Yeah i'd actually have better luck trying to play pickup sticks with my butt cheeks, than to have the OC do anything more...Just be sure to use plenty of lubricant.... just in case. Who were you dealing with at the OC? A 1-800 phone monkey? I would rifle off a letter to their executive offices stating the information was supposed to be updated, and instead, they refused to answer the dispute, or outright told TU to delete. Either of which is unacceptable. Through their representatives' inability to perform this task, or through a malicious act, your personal credit has suffered.Each OC that reports has a "rep" at the CRA's they deal with directly. The OC need simply pass the instructions to correct and reinsert the information to the department that reports to the CRA's, and have the CORRECT information reported WHILE THEY'RE ON THE PHONE. Link to comment Share on other sites More sharing options...
crofttk Posted March 24, 2005 Report Share Posted March 24, 2005 Well, I'm hard pressed to add anything that 9-5 & DocDon haven't said. TU has either actually deleted or suppressed the TL and, until the OC actually sends data to TU on the correct & current status of the TL, there's not much for TU to do except "un-suppress" a bad TL (if it was never updated correctly).BTW, you didn't mention: I don't suppose this TL has ever shown on EQ or EX ?So, you're stuck with the task of getting OC to report/refresh the TL to TU.If you get no response at the "front door" or bridges have been burnt there, then you need to appeal to a higher authority as DocDon just mentioned.Only thing I might add is that PlanetFeedBack.com (PFB) is a possibility if OC is big enough that PFB matters to them.I know this is a bummer but the harsh reality is that getting negative data deleted (or suppressed) is more commonly and easily done than getting positive data reported after payoff.There's nothing, AFAIK, that says OC MUST report this and claiming damages/defamation would be a VERY thin limb to go out on indeed so, unfortunately and from a practical standpoint, you are left with making nice and kissy-kissy and the good will of OC. Link to comment Share on other sites More sharing options...
divemedic Posted March 24, 2005 Report Share Posted March 24, 2005 I concur. Link to comment Share on other sites More sharing options...
Methuss Posted March 24, 2005 Report Share Posted March 24, 2005 Section 623a(2) requires a furnisher to correct and update information upon notice and verification of inaccuracies. The furnisher had a legal obligation to correct it as soon as they admitted that they had improperly reported the lates. Since they did not do so, the furnisher is now liable. You should never have had to dispute it with TU in the first place as the furnisher was required to correct it themselves. Link to comment Share on other sites More sharing options...
Sultan Posted March 25, 2005 Author Report Share Posted March 25, 2005 Thanks to all of you,Specifically croft!! dude how you been buddy good to see ya, thanks for answering my call, the account actually shows up on both EX, & EQ, with a paid status, and pays as agrees for 83 months. Since you made mention to that, I think I'll have to go back to a place I mentally associate as a dark place; dealing with that OC is worse than pulling teeth. I wasn't kidding about the 25+ phone calls.... sigh.DD, croft, 9-5, Dive, Meth, thank you all! it is much appreciated, I think its good to get input on issues such as these, because it helps to give me a little more steam and not to just say F' it. Meth, now that I can throw that section at them; it’s usually a good hammer to reference a specific section, with these disputes. Thanks again PPL. Link to comment Share on other sites More sharing options...
crofttk Posted March 25, 2005 Report Share Posted March 25, 2005 Methuss certainly has a point there, but perhaps you have to lead the horse there nicely to get him to drink.Hypothetically, you can cram it down their throats and use the litiginous nut case approach but you may need more time and energy for that than you can afford. Link to comment Share on other sites More sharing options...
Sultan Posted March 25, 2005 Author Report Share Posted March 25, 2005 Methuss certainly has a point there, but perhaps you have to lead the horse there nicely to get him to drink.Hypothetically, you can cram it down their throats and use the litiginous nut case approach but you may need more time and energy for that than you can afford.Good point, **we should be our own advisory committee**As always you’re a very level headed and sharp minded individual croft.I wonder if there is anything in the middle, such as trying to use the honey and still referencing that by law based on... they should... etc.I almost want to say this is no big deal, but something that affects your score for as much as 75-100 points really is a big deal in the realm of the credit world. I’ll give it some thought, make the next best move and keep pressing forward. I hate to see anyone just throw in the towel, especially me! Link to comment Share on other sites More sharing options...
Xanathos Posted April 3, 2005 Report Share Posted April 3, 2005 This is a bit of a double edged sword....If you search the board enough, you'll find various pay-for-delete threads in which the OC will state they have to report only accurate information...at which point we advocate countering with the response that there's no law stating they have to report at all.....In your case, it's the same deal. TransUnion deleted the account because it was easier than simply updating it, but the OC is the only one who can have it placed back on again. Usually this isn't a problemw ith an open account, because it'll just pop back on with the next reporting cycle...since yours is closed, however...Only way you're gonna be able to get this fixed is through the OC...and you really don't have any leverage against them unless you want to threaten to sue for originally damaging your credit with the erroneous late reports. Link to comment Share on other sites More sharing options...
Sultan Posted April 3, 2005 Author Report Share Posted April 3, 2005 Yes indeed, that about sums it up, I may have some luck with the OC, and am not giving up at this point, as my priorities allow.I have something new that I need to subordinate all of my energies to. http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=28291 Link to comment Share on other sites More sharing options...
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