I disputed a few items on my credit profile with Experian and TransUnion. Some items came back as "updated" and/or "new information below", but after reviewing my previous reports, I see no changes! What's my next step? Do I demand a reinvestigation or demand a removal because they didn't verify? Help. Anybody. Thanks.
I don't have any help, but I would like an answer to this question too as I have a similar situation. I disputed an account with Equifax that was last reported R-2 in 1998 and hasn't been updated since. Well, they sent me a letter in late September saying that the account had been deleted. But when I looked at the enclosed credit report, it was still on there!!!! So I called and talked with an Equifax rep who told me that there had been a mistake and he was deleting the trade...blah, blah, blah. Three weeks later, I pull my Equifax report and guess what...it's still there.
I think it's a lawsuit waiting to happen. Let me add one to this. I just pulled my Experian and my Target "high limit" is now less than it was last month. Last month high limit over 100, this month, 14. Hmmmm. seems the high limit can decrease. I have an issue with this too.
Well, the obvious answer is to quit fiddling with the credit bureaus and go for the creditor or collector and force them to take it off. I see people on these message boards with the same sad song all the time and they never want to go after the creditor or collector who is abusing them. They want to go for the credit bureaus who are doing nothing but reporting what their abusers tell them to put on the credit report. It's just like a woman having to deal with a wife-beating husband. If she is ever going to get any peace in life, she has to get rid of the abuser. Same situation with the credit bureaus. They are not the abusers nearly so much as the creditors or collectors. So get rid of your abuser and you won't have so many problems. If you don't get rid of the abusers, then I guess you will just have to live with the bruises and black eyes.
I agree that the credit bureaus only report what info they get from the creditors BUT it's a whole 'nother story to say you updated your records and you didn't!! That has nothing to do with the creditors, the CRA's are the ones that are lying!!!
Actually, I did go directly to the creditor. They sent Equifax a letter and faxed me a copy of that letter indicating that my credit report should be updated to reflect an R-1 status. Plus, I faxed my copy of the letter to Equifax (twice the first time they said they never received it). The rep I spoke with the second time told me that they are legally required to make the correction within 3 days if we send them a letter directly from the creditor. Thirty days later it was still showing in dispute.
I have a somewhat similar problem. I have/had a collection on my report, I disputed, and the summary page said it was deleted, but it was still on my report. I dispute again, and they say that "such and such does not exist on your report"... So now what? I am nervous about calling, but I probably should. It's there, I can see it, but they can't???
