Equifax Dispute Sent...Thirty Days Have Passed

Discussion in 'Credit Talk' started by greeneyez, Jul 16, 2016.

  1. greeneyez

    greeneyez Well-Known Member

    Hi all!

    So it will be 30 days (tomorrow) that I have sent a dispute to Equifax regarding my apartment complex drama. I have the certified mail receipt. I also printed out the documentation from usps showing when they received it.

    Should I fire off a letter to send Monday asking for deletion? If so, what should I include ?

    Pretty excited about all of this...
     
  2. Adogg71

    Adogg71 Well-Known Member

    Good luck with them, I have had nothing but a tough time with them removing anything...............
     
  3. greeneyez

    greeneyez Well-Known Member

    That's no good...can you explain what you did?
     
  4. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    What communication have you had with the CA, if any, since they sent you their "validation"?
     
  5. greeneyez

    greeneyez Well-Known Member

    None yet. I thought about waiting to see if Equifax will delete it because it was after the 30 days before opening a can of worms.
     
  6. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    I see...I would frankly wait a bit longer to see if you still hear back from Equifax with the results of your dispute. What date did they receive your dispute?
     
  7. greeneyez

    greeneyez Well-Known Member

    Hey Joshua!

    So I sent it out on Monday, July 19th. It will likely take 3-4 days to get to them. I will let everyone know of the updates!
     
  8. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    You sent off what? Another dispute with Equifax requesting deletion?
     
  9. greeneyez

    greeneyez Well-Known Member

    Yes this is correct. I have still heard nothing .The letter I sent basically said it has been 30 days, you need to delete this. I sent this certified as well.
     
  10. Adogg71

    Adogg71 Well-Known Member

    I actually did multiple disputes at one time and found that they will overlook a lot of things if you don't dispute them one at a time. I did it all online with TU & Equifax and TU was easy as pie! Equifax on the other hand took more time but finally removed all that I found that were faulty. EX I had to do actual snail mail but they also were easy to deal with!
     
  11. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    I see. You may want to submit a formal complaint to the CFPB as well:

    CFPB Complaint Assistant

    Look forward to hearing a positive update from you on this!
     
  12. jam237

    jam237 Well-Known Member

    Adogg, my approach is the more they miss, the more they have to pay. :)

    It's up to them to make sure that they address every single tradeline which is disputed, and if they miss one, they had better enclose a $1,000.00 check with the results letter, because otherwise, I'll make sure that they send one later. :)
     
  13. greeneyez

    greeneyez Well-Known Member

    Update! So I received a response from Equifax FINALLY--via EMAIL. Wtf? I've never provided them with my email, and I have done all of my correspondence via cert. mail.

    Their response stated that they will begin a re-investigation, and this could take up to thirty days.

    In short, they have received my dispute. They did not respond in thirty days. I sent out a second letter certified as well, saying to remove it since it's been thirty days. They just responded with an email two days ago saying the above.

    I'm so confused. What should my next plan of attack be?
     
  14. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    It's strange that they emailed you considering you've never provided your email. They must've had it in their system for some reason. Maybe a previous online dispute or something?

    You can respond and make the argument again that legally they must remove the tradeline, and you can also file a complaint with the FTC/CFPB.
     
  15. greeneyez

    greeneyez Well-Known Member

    It's extremely strange. Ive never filed a dispute online with equifax...maybe it is somehow associated with my social security number?
     
  16. jam237

    jam237 Well-Known Member

    Did you ever do an online pull of your Equifax credit report?
     
  17. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Jam's right. That's probably why Equifax has your email. Your SSN shouldn't be associated with any email address, but if you have pulled an online credit report at any time in the past then that's why they have it.
     
  18. greeneyez

    greeneyez Well-Known Member

    Yes..this. I did pull a report. I wonder bow this affects things because I have done everything via mail.
     
  19. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    I recommend continuing your communication with Equifax via mail so you can track when they receive things. I wouldn't respond to the email directly.
     

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