u/Natural-Employer

Ready to pull my hair out. My car loan is through ally, I got it exactly a year ago. I haven’t had a late car payment in 11 years prior. Occasionally when things get tight I will make my payment after the due date but within the 30 day window before a payment gets reported as “late”.

My due date is on the 24th each month, and during the February cycle, I made my payment on March 25th, at 29 days “past due”.

Next reporting cycle all 3 bureaus displayed February as 30 days late. Obviously, since it wasn’t 30 days late, I disputed the marks and provided documentation. About a week later, my EXPERIAN and Equifax scores dropped the late payment, but TransUnion still showed it with the remark: “Dispute Investigation Completed - Subscriber Disagrees”.

I then submit another dispute with the same information but now including the fact that they removed my late payment from the other bureaus. After completing this “investigation” the only thing they changed was now marking March late instead of February, which is somehow even less accurate.

No idea what to do about this, do I just keep disputing it?
My TU scores are 50-60 points lower than the other bureaus due to this alone.