chilton1 Posted October 17, 2006 Report Share Posted October 17, 2006 I had a housing bill from the university of vermont from 2002. I was not aware of the balance until i pulled my credit report. Well I paid the balance and they posted the account twice. They inserted a new paid account and them ignored the old one. Anyway I disputed with Transunion and they never listed the account as Account information disputed by consumer." I called Uvermont and they told me it would be corrected.Well since this has been more than a month I call Transunion today and they guy basically was asking all these questions about the debt when I told him I wanted to dispute the debt. he said it has been paid and will be removed in may 2007. i know that that is not true because the debt is from 2002. Bottom line that bastard refused to dispute the paid debt. Can they do that? I know Equifax did that to me for a paid account that was not mine. ATTCO for $71 paid before i found this site. I wrote they never responded. disputed on line nothing. Today i got a nice lady who said she will dispute the TL.Does anyone have this problem with the CRAs refusing dispute something that is paid. Can they legally do this? Link to comment Share on other sites More sharing options...
direred Posted October 17, 2006 Report Share Posted October 17, 2006 There's nothing in the FCRA that differentiates paid accounts from unpaid accounts. If it's incorrect, it's incorrect.And I know from personal experience that UVM's records do leave something to be desired. Link to comment Share on other sites More sharing options...
chilton1 Posted October 22, 2006 Author Report Share Posted October 22, 2006 Thanks for all the help I got a response from transunion yesterday. They have deleted one of the accounts, a duplicate. The question I have now is do I dispute again? The $200 I paid was a balance I owed on rent in the dorms. I was not aware there was a balance (my fault). Anyway now on my report it says student loan. This was not a student loan. I need to take out private loans student loans next year to finish school and I am worried that this student loan entry may not look good even if it says paid.What should I do. I would like it off totally removed but what is the best option for now. Dispute that it was not a student loan. Will that even make a difference? Link to comment Share on other sites More sharing options...
Recommended Posts