I have been working hard to clean up my credit report for the past six months and have had great luck. I've managed to raise my average score from 559 to 649 since August. I've never really worried about my credit report, so I actually haven't seen it for probably 5 years prior. I've spent a lot of time having outdated and incorrect trade lines removed. This has been going great except for a few minor glitches. I had five trade lines for old tax liens. I dug through old records and found the releases from 1997-1998. I mailed these cmrrr to all of the CRAs. All of these listings were removed because the releases occured over 10 years ago, except for one from transunion. They removed the other four but not this one. I sent the release again cmrrr and once again they sent me the same letter saying that the listing is correct and now reflect paid-in-full. I just got off the phone with them and got no where. What in the world should I do? I have the documentation. This listing is no different than the other four. All of the other CRAs corrected all five listings. I'm at a total loss here.
Send it to their legal division in Chicago and if that doesn't work, consider suing them. It's not hurting you in terms of points however. It's too old.
Transunion can be a real pain about removing tradelines. First, you need to stay off the phone and do everything in writing. Second, after following all the dispute procedures, you need to just file suit. They'll ask for a settlement when they get your summons. They did with me, anyhow.
That is an overbroad, generalized statement that is very dangerous. One needs damages to invoke the FCRA and even then, their posture is wildly different in jurisdictions contingent upon local counsel.
