Transunion

how many items where you disputing, and how often do you dispute?

Transunion and Experian don't actually have copies of your signed contract, nor are they expected to. When you submit a dispute to a credit bureau, all they do is pass it on to the data furnisher (whoever actually reported the info), and tell them to verify the info being reported is accurate.

If the data furnisher verifies to TransUnion that the information being reported is accurate, then TransUnion is being compliant with FCRA. Your beef seems to be with the data furnisher/collector. Send the same letter certified to the collection agency and demand them to send you the signed contract. If they cannot do that, then you may be able to claim the collector is violating FCRA.

By the way, here is the definition of a frivilous dispute:
Quote:

Don't transunion have to actually verify the data not just go off some print out?

Nope, all Transunion has to do it pass the dispute on to the person who reported the info. If the data furnisher doesn't respond within 30 days, Transunion has to delete the record. If the data furnisher tells Transunion it is accurate, then it stays.

I get disputes all the time, where a customer has disputed to Transunion, and Transunion passes what's called an ACDV to me. I am required to review what's in the person's credit file and match it against factual account history. If the credit report is correct, I simply check off a box that says "accurate as of date reported." If the credit report is showing bad data, then I check a box that says "modify information" and I enter the correct data.

If this works, I'm going to post an example of the ACDV form that the bureau (in this case Experian) sent to me. I blocked out any personal information. But in this case, the customer disputed that we were reporting a chargeoff. I verified the information, made a few changes to the account, and returned it to Experian.

Here is another one that Experian sent to me. The customer claims "Not His Account." Yet this man was in my office personally in front of me; I have a copy of his driver's license, social security card, pay stub, utility bill and lease. This is indeed his account, and I verify as such.

Please do remember everyone,validation letters only go to collectors. Letter to a credit bureau is just a dispute and as Debtcruncher has said,they forward to data furnisher.The bureaus simply hold the information and keep procedures in place that they must follow.The actual data furnisher is the one to go after if they are reporting incorrectly.

[color=Blue][/color][size=3][/size]who are they data furnishers?

data furnisher is the company who placed the account on your credit bureau

What I meant was that in my dispute I informed Transunion that the collection agencies would not provide me with a signed contract. I have even sent them copies of the dispute letters I sent to the various agencies.

Sorry to say, but Transunion is not going to take your word for it. If they did, then every single person with bad credit could simply write a letter and say "I asked for the contract and they didn't give it to me ... remove."

We would all like to argue that when we demand a copy of the contract, they HAVE to provide it or else remove the tradeline. However, I still have yet to read a provision of the FCRA that forces them send you a copy of the contract just because you demand it. I really don't think they have to. Data furnisher, upon dispute, is simply obligated to i) conduct an investigation, ii) review relevant information provided by the consumer, iii) report the results of the investigation within 30 days, and iv) update/correct any inaccurate information that was found.

So the bottom line becomes "Are they or are they not reporting factual information." If they are reporting false information, then file a lawsuit on those grounds. In front of a judge, they would need to prove that they were indeed reporting factual information; and if they couldn't prove it then you would win.

what if they haven't updated it for 2 months?

It all depends on their reporting cycle. Again, there's no law that says they have to report every single month. But when they do report, the information has to be accurate as of the last date reported.

If the account has changed in the last 2 months since they reported, then send a dispute. They will be obligated to update the account with correct information.

Ya i tried to send a dispute they said they've already investigated it and if i have something new to send it to them by mail.

Ok if the collector cannot validate per fdcpa and collector's company verifies account,they violate Fdcpa&Fcra laws. I would send a letter to transunion along with written proof that company is unable to prove the debt demanding deletion.If this does not work,then send the same type of letter to collection agency reminding them that reporting after a debt is in dispute is a Fdcpa violation per Ftc opinion letter and incorrect reporting is a Fcra violation.

Now answer this question,have you filed any complaints yet on the collection agency? If they are not following the law,you can file a complaint with the better business bureau & your state attorney general.

I am referring to the Fair debt collection practices act which pertain directly to the collection agencies not the FCRA. I am asking for validation and not verification. I have sent certified letters to these companies asking for copies of signed contracts as there is not an original creditor on my credit file and the accounts they reference refer to a residence etc that I have never lived at so therefore I believe my identity has been used falsely but I am unable to move forward with anything until I have the signed contract.

Ok that additional information brings a new solution into play. Go to www.ftc.gov. Click on the Id theft link and download the Id theft affidavit with instructions.Fill out the papers and have them notarized.You will need 5 notarized copies.Now go to your local police department and request a police report be completed for Identity theft.Again you will need 5 copies. Once that is done,go back to the id theft page at ftc.gov and file the online id theft complaint. Now you will need to write a letter to each credit bureau asking for a 90 day fraud alert and to permanently supress the accounts relating to Id theft.Send the letters with one copy of police report&Id theft affidavit to each bureau.Lastly you will send a copy of your paperwork to the collector telling him to cease all efforts to collect or report this debt as it is a Id theft incident.

transunion is pissing me off with not moving a repossession for my husband that the credit union themselves requested removed. I've been fighting this for several months now and they just refuse to remove it even when the CU sends the paperwork for removal. and evidentially this CU doesn't even REPORT to transunion, so we have no idea WHY it's on that credit report.

Tranunion has no interest in keeping a repo on your credit report, and they really could care less whether it stays or not ... in all my experience dealing with Transunion, they always do as I instruct them to.

I have a sneaky suspicion that your credit union is actually giving you the run-around -- blaming it on Transunion just to get you to stop bugging them. A) Transunion only reports accounts that a subcriber (who has signed a member agreement) reports to them; Transunion does NOT just randomly report information that if finds laying around. Your CU is lying if they told you they don't report to Transunion. B) If the CU filled out a proper AUD, believe me, Transunion would update/delete the information.

Ask your CU if they are submitting an AUD through E-OSCAR? Whatever their answer is, you have a right to dispute the information directly with your credit union. They would have to verify that they are reporting accurate information, and if not, they would have to correct your credit file within 30 days.

actually, our credit union has been more than helpful with the matter. they voluntarily deleted the account after the repo was paid, and it was promptly removed from experian, which is the only place they tell us they report. after I called our rep up and let her know the repo was listed on transunion, she was confused because they don't report to them but she sent a request for deletion and printed a copy for us to let us know she did. after 60 days, that repo was STILL on the report. So I sent copies of what the CU sent us requesting deletion. received a paper stating that it wasn't good enough for removal but they would contact the CU requested more info. the CU AGAIN faxed them the copies requesting deletion and as of this date it still hasn't been removed. what more can we do? I firmly believe our CU is doing everything they can to help us out, especially since she's a wife of my husband's coworker and we know her really well.

butler--this is something to try...

Send TU a letter, certified mail, demanding that they immediately remove the listing from your report. In that letter, mention that you are including a copy of a statement provided to you by the creditor, in which the creditor states that they ar erequestion that TU remove this entry. Of course, dont forget to include a copy of that letter. Remind them that continued reporting of inaccurate information is illegal and that you will have no choice but to pursue legal action against TU for violating the FCRA if they do not comply. Once a creditor contacts the bureau and updates the information, the bureau MUST change the report to reflect the request of that creditor. And the bureaus have no control over the length of time that something is reported until the 7 year limit is reached--they cannot keep something on your file legally that the creditor has requested they remove. Not legally, anyways.

End the letter by stating that you also request proof in writing that this has been removed. If you do not receive such proof within 45 days from date of receipt, you will pursue further legal action against TU. This will hopefully light a fire under someones back side over there. Plainly put, they are breaking the law by not honoring the creditor's request to change or delete an entry. Hope this helps you.

Robee31--cajun is on the money. Validation is not the same as verification. Validation is required of the CA. If they are unable or unwilling to provide such validation to you upon request, then any and all collection activity must cease. The courts, if I recall correctly, have found that a negative report on your credit file constitutes collection activity. That means, if you demand validation and they do not provide it, they are not allowed to continue reporting the debt on your credit file.

Send the CA a letter, certified mail. In that letter, request that they remove the listing on any of the three major credit bureau reports that they may have reported it to. Tell them that, because of their inability to validate the debt, they are illegally reporting negative information on your credit report. In accordance with the fdcpa and the FCRA, they are not allowed to report information about you unless they can properly validate it's accuracy, and they have demonstrated that they cannot do so.

The entry must be removed within 30 days of date of receipt of this letter. Further, I request a statement in writing showing that such removal has taken place. If you do not comply, in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I will have no choice but to pursue legal action against you for violations of the above mentioned federal laws.

Once you send that, if they still do not remove it, then send a letter, CMRR, to the bureau itself. In that letter, I would explain that, under FDCPA, they must be able to validate a debt before taking any action against you, including reporting to the credit bureaus. Inform them that, despite repeated attempts to get the creditor to follow federal law, they have refused to do so. Again, include copies of all correspondence you have sent to the CA about this, and if they send you any reply, include a cpoy of that as well. Then, inform the bureau that they must remove the entry from your report within 30 days. Cite the FCRA which makes the bureau responsible for reporting information on you that cannot be validated as accurate. They can be held responsible in court for not following the FCRA just as a CA can. Hopefully, that will take care of this. If it still doesnt, then get an attorney and file a suit. You can file against both the CA and the credit bureau.

I sent transunion copies of my registered/return mail receipts.Copy of 2 letters also registered sent on my behalf for validation from an Attorney.
I'am hopng they will delete this debt since I can't any validation from LVNV Funding.Let's see what happens.........

if idisputed a bill and it was deleted off of my trans union report and it ended up on experians report a year later what do i do ? and is this even legal?

can they put deleted info back on credit report