Disputing Credit Report Errors
2010
TransUnion error – dispute without permission hurting credit report?
Previous bankruptcy. I have student loans with Wells Fargo EFS. I disputed an item with TransUnion for another company. I sent in a Schedule F that verified this information. However, TransUnion disputed Wells Fargo as well simply because it was on the schedule F. (Yes, I am very particular about including the account number, circling it, everything). Because TransUnion did a dispute without my knowledge or permission to Wells Fargo “by accident”, I took a hit on my credit report and scores because now all those accounts went from accounts in good standing to “included in bankruptcy”. I called TransUnion (I know, big mistake) and they basically denied any wrongdoing on their part, read from a script, and I could barely understand either the rep or his supervisor. My question is, am I screwed because of TransUnion or should I try and work with Wells Fargo to have TransUnion’s error fixed? Thanks in advance.
Don’t call. Send a letter detailing the problem and ask for correction. Make sure your letter is clear and concise. You may want to send the letter certified, return receipt to establish a paper trail.
If you can’t get the item corrected, you might want to contact a NACA lawyer.
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