Equifax email - File to Long

Discussion in 'Credit Talk' started by cash1, Jul 31, 2002.

  1. cash1

    cash1 Well-Known Member

    I didn't know if anybody else has got this email. I was getting the 45D message last week. My access was restored after 6 days. Now I got this email, but I still have access.


    Dear Consumer,

    Thank you for your recent attempt to purchase one of online products. Our
    system indicates that there is an internal error due to the credit file's
    size. The system makes note of every line of text found on the credit file
    ranging from personal identification to inquiries to trade accounts; if
    this information exceeds the data threshold, then the system will no longer
    be able to support the transfer.

    Your credit file is owned by one of our affiliate offices, CSC of Houston,
    TX. You will need to contact them directly at 1-800-759-5979 for
    assistance with your file size.

    Once the problem has been resolved by CSC, please contact Customer Care at
    the toll-free telephone number indicated above to have your online order
    reset.


    Thank you for choosing Equifax. We appreciate your business.

    Customer Care
    vfa
     
  2. LisaMc

    LisaMc Well-Known Member

    Cash consider yourself very lucky.

    I have the exact same situation. I, too, am "owned" by CSC of Houston. Let me just say, CSC is gonig to do NOTHING to help you with this. I have spoken to reps, supervisors, managers, and even a letter to the President of CSC. I was told "IF YOU FEEL THE NEED TO FILE SUIT AGAINST US IN RELATION TO THIS ISSUE, PLEASE DO SO. OUR HANDS ARE COMPLETELY TIED BY EQUIFAX." Equifax says they can do nothing because my file is owned by CSC. CSC vows that Equifax will not allow them to do anything to reduce the size (i.e. delete soft inquiries generated by CSC and Equifax.) I have sent my intent to sue letter & got my green card back on the 19th. I will file my suit next week.

    CSC has to be the worst run business I have ever dealt with in my life. They are absolutely horrible!
     
  3. Butch

    Butch Well-Known Member

    AHA,

    A case of the left hand blaming the right, and visa versa.

    I'd sue both of them and have fun watching them blame each other in court.

    The FCRA requires that ALL the information in your file be made available to you. ALL OF IT.

    Have fun.

    :)
     
  4. LisaMc

    LisaMc Well-Known Member

    Butch, the eternal question....

    Would you sue both Equifax & CSC in small claims court or bump it up. Something about a higher court somehow intimidates me!

    Lisa
     
  5. bailey

    bailey Well-Known Member

    While that is true, I think they are talking about the ability to view online, versus snail mail. Equifax will get by with not allowing online viewing as long as they are able to send it to you through the mail.

    This error with Equifax is going to be happening to many of us since they can't fix their software and we will be back to getting the reports through the mail with NO score.
     
  6. LisaMc

    LisaMc Well-Known Member

    Bailey, while that is the issue for some, it is not the total picture. I can't access online at all. That is a true aggravation too; however, that is really the tip of the iceberg. My file is contained in 2 parts--Part 1 of 2 & Part 2 of 2. CSC does not have a good mechanism for tying these two parts together to make a whole report. If I got online right now, went to the EQ website, paid $12.50 for a copy of my report with score, I would get Part 2 of 2 only and a letter explaining that my report was "unscorable." I attempted to refinance our home. Guess what? The lender got Part 2 of 2 only & no score. Guess what happened? DENIED! Even when this issue is brought to their attention, they can't fix it. I called them and said "my file is split, my lender received only Part 2 of 2, and they need both parts. Can you please send them the whole file ASAP?" Equifax...."Yes, maam. No problem. It will go out in the mail today." It sure did--another copy of Part 2 of 2. By the time I received the official denial letter, I was holding SIX copies of Part 2 of 2, and none of them matched each other.

    I really believe that this is a case of nonaccess & inaccurate, incomplete information. While CSC may have 2 parts, no one else does, and they can't seem to get it to them.

    As I said above, when this situation escalated, all I got was CSC pointing fingers at EQ and vice versa. The whole thing is so very frustrating. I have not seen a complete comy of my report in 5 months. In that time, I know of at least FIVE reinsertions that crept across to Part 2 of 2 at one point. I am just scared to see what Part 1 of 2 contains. I probably won't know that until the lawsuit is filed.
     
  7. cash1

    cash1 Well-Known Member

    I am obviously interested what happens as you move forward.

    I have had a split file at EX(Before I found CN), and I couldn't figure out why my online file looked great, but I kept getting turn downs. Once I accidently figured it out, it took 3 months of aggrevation to fix.

    I would never approve of splitting my file. I would just go back to snail mail reports.

    On the other hand, what is the basis of your complaint(legally)? I have not been able to come up with a reason that requires them to provide online access. If EQ returned your fee for Credit Watch, I don't see anything else that you or I (or a lot of other CW members as their files grow to long)could do.

    Don't take this wrong, I agree with you 100 percent. I just can't see EQ's liabilty, other than returning your money.

    I'll keep watching for your updates.

    Good Luck...
     
  8. LisaMc

    LisaMc Well-Known Member

    Like I said, Cash, the lack of online access is a pain in the butt. I hate it. It is very inconvenient; however, like you, I can't see what crime they have committed. They did return my fee willingly. In fact, they returned my fee over and over and over and over and over again. I called them and said "you refunded my fee 5 times, just thought you should know." The rep told me that their system didn't show that and I must not understand how to read my AMEX statement. Okay, I'll take your money. God knows EQ could not have made a mistake! WOuld their system show something incorrectly? Surely not!

    My gripe is that I can not get a complete copy of my credit report. I can't get a FICO score at all. A lender can't get a whole report with a FICO score either. This is harming me!! I was denied a refinance loan on my home that would have cut 15 years off my mortgage. When this was brought to CSC's attention, they still could not produce a whole, scorable report.

    I would love to be able to get a clean copy of my credit report online. That would be great! Mostly I just want to get a whole copy of my report with a score.
     
  9. cash1

    cash1 Well-Known Member

    I posted my EXP split file problems
    http://consumers.creditnet.com/stra...postid=174061&highlight=split+file#post174061

    LizardKing responded with the suggestion to file in small claims. He is very creative in his court cases. Maybe you can post a message to enlist his opinion on what violations are applicable to your problem.

    I also posted on Bayhouse about damages in respect to my credit problems based on a split file, and the opinions were not encouraging.

    As a note, while I was searching for the above old thread, I found several threads on problems people had in the past with Experian not being able to provide credit reports because files were to long.

    I do feel your pain.
     
  10. Butch

    Butch Well-Known Member

    Dear Lisa,

    There are a lot of issues with this case. I see numerous, actionable violations and if it were I, I'd be looking for a high falootant lawyer to look at the case on a contingency.

    Here's your next step, if you haven't done it already. This is from a post I made a cpl weeks ago. In puting together the COE (Chronology Of Events) you're actually starting the initial draft of "counts" portion of your lawsuit. And it'll help with keeping your thinking straight and isolating the applicable violations. YOU actually have damages, which you need in a small claims case but if you take a case to a jury you can sue on pain and suffering, humiliation, etc., etc.


    "Begin by making what is called "A Chronology Of Events".

    Basically a list of everything that has transpired since inception. Include dates, times, the person's name that you spoke to and what phone number you dialed. Include a brief description of the essence of the communication with a focus on potential violations. Don't worry about whether or not the violations are real, we'll look at that later. Don't leave anything out.

    If Cert. Mail, include cert. mail #, who signed for it and what date. And then sort in ascending date order.

    Photo copy every single item of written correspondence 3 times. Collate it and number the packages 1 through 3.


    This is the first thing you need to do to see if you even have a provable case.

    It's a pain in the butt but well worth the trouble.

    Well you asked for it..."

    :)
     

Share This Page