EQF has done it one too many times now. I have a Lowes account that has a long standing 30 days late from 11/02. That's fine - probably is accurate. They were previously reporting other lates that WERE NOT accurate and I disputed with all 3 CRA's. The other two deleted the account entirely but EQF deleted the other lates and left the one from 2002 on there. Here's where the real problem is - even though my report was not showing anything more than a few 30 day lates, EQF kept reporting the current status of that account as "pays 60-90 days late" and Currently 60 days past due even though the current amount due is showing $0. I disputed, wrote letters etc. and they won't report this account correctly. I BT'd 1/2 of the $1100 bal to another card leaving me with about a $550 balance. They wouldn't update balance for 4 months even though I sent them proof. One more letter and they finally did that but didn't take care of the "currently late" problem which I addressed in the same letter. So now, the account is reporting: High Bal (CL) $1184 Min. Pmt. Amt. 0 Opened 4/91 (as you can see - a nice old acct) DOLA 8/03 Last report on 11/03 Current Status - 60 days past due Past Due Amt. 0 7 year history: 30 days late (1) 08/02 60 days late (0) 90 days late (0) I have recently been denied credit when EQF was pulled due to "currently delinquent account" or some other garbage. Since I have been current on all of my credit for some time now, I know this is the problem. It was suggested on this board that I send ITS and I've found the RA, address, etc. Any suggestions which part of the FCRA I can quote to give the letter some extra punch? I've read through sample letters etc. but there's so much out there I wasn't sure which would apply best to this situation. Lowe's customer service sucks so I can't get much help there and I'd just as soon it not reappear on the other CRA's since I finally got rid of them there. Any help is greatly appreciated!
