I recently sent a creditor an accord and satisfaction check for deletion. The agreement basically said that when they cash the check, they are obligated to delete their listing on my Equifax credit report. They cashed the check, and the agreement is binding. I followed this with a dispute to Equifax with a copy of the letter of accord and a copy of the cashed check (the satisfaction). Equifax verifed the account saying "the creditor has verified with CSC that the account has not been paid in full". Okay, this was not even what I disputed. I disputed on the basis the account should be deleted, not that it was paid in full. They also don't have the account listed as "disputed". It just shows as a chargeoff. I sent Equifax a nasty email by way of Robin Holland who works in the consumer affairs department. I re-stated the reason for my dispute and I summarized the FCRA violations on this account. I threatened to sue if the account is not deleted. Today, I get an email asking me to give her a call or send her a number where she can call me. What do you think will happen? I called and left a voicemail for her. Has anyone ever dealt with Equifax in this manner? I'm hoping she is calling to calm me down and tell me they are deleting, but she may be calling to tell me I have no basis for dispute. Any thoughts?
That's a good idea. I actually can use the mic from my computer to record if I need to. Only thing is...is that legal in Missouri??
Can you post Robin Holland's email address? I called the number specified for her in earlier posts and it had been disconnected. Thanx
I just noticed that you actually have the current phone number for Robin Holland. Can you post the telephone?
Sure thing. The following information is correct as of today, since I used it! Robin Holland, Equifax Consumer Relations email: robin.holland@equifax.com phone: 404-745-7800 (You might reach her voicemail. If so, press "0" and it will take you to Debbie, who I believe is her assistant. If you keep pressing "0" enough times, you will get someone. Ask to speak to Robin Holland. I'm wondering what she wants to say to me. I have never had a credit bureau be so forthcoming with contact information, or willing to call me to discuss the matter.
Yes, you can record your own telephone conversations in Missouri. There are only twelve states that require both parties to consent to recording -- they are California, Connecticut, Delaware, Florida, Illinois, Maryland, Massachusetts, Michigan, Montana, New Hampshire, Pennsylvania, Washington.
Thanks for posting the Phone number and email address for Robin Holland. I would be careful and not say anything that could be used against you in any future court action regarding the "Accord and Satisfaction" agreement. Equifax may record your conversation. It may not be a bad idea to record the call yourself.
What would be wrong with the accord and satisfaction? This is a legal means of agreement and it is binding. I have not admitted the account is mine, I only said I entered the A&S aggreement with USAA to get the listing off my credit report. I don't know how they can use that against me in future legal action. Do any of you have experience with the accord and satisfaction for deletion? This is a powerful tool, but I am still sketchy on how well it would hold up in court.
I don't think that you will have a problem. What I meant was that you may have to file a court action to enforce the "Accord and Satisfaction" agreement. So don't say anything in your phone call with Robin Holland that could be used against you should you have to file that court action. From what I have seen in previous posts, Robin Holland has been pretty responsive so you probably have nothing to worry about. But don't volunteer any information such as the previous debt amount, etc.
The "404" phone number means that Miss Robin is in the Equisux building in downtown Atlanta, GA. GA is a one-party consent state for recording. As long as MO is the same, you are clear for recording. -ingenue
