Equifax ignoring faxed letter

I faxed a dispute to them once and it did not appear they were acknowledging it, so I faxed them another one giving them the date of the first fax and told them the time from the confirmation and asked why the account wasn't marked in dispute. It was put into dispute within 24 hours of that fax, although they investigated it from the date of the second fax and not the first one where I had requested it.


L

 

I do not use FaXimile as a dispute method...but if I were to, I would use it in CONJUNCTION with a USMail-CRRR dispute to prove (to the court) you went out of your way to get the errors in your report removed. In other words...if they ignore a fax that you have a record of...and then ignore the CRRR which they do, you will have ample proof you tried to get the disputed item in the system.

That is to build evidence for an eventual suit/threat to sue.

Of course, if I just wanted the item to be entered in dispute, I would enter an ONLINE dispute which is hard for them to block without a "this dispute is frivilous" letter. Which is also good ammo for the suit.

-Peace, Dave

 

Dave,

You mentioned:

Of course, if I just wanted the item to be entered in dispute, I would enter an ONLINE dispute which is hard for them to block without a "this dispute is frivilous" letter. Which is also good ammo for the suit.

When you enter an ONLINE dispute (I guess with Equifax), just exactly what does it involve? Does one just check on a 'bullet" that says "dispute" and that's it or does one have to provide an explanation of some type? If so, should it be detailed, or just simply - "I don't believe this is mine, please validate info and update your files".

 

All you need is some information (to prove you are you ... like your ZIP CODE,SS# address etc...) and a CONFIRMATION # from an Equifax report...to enter the dispute online.

Equifax online dispute is HERE

Yes pretty much that is all it takes:

Account: COLLECTION LTD , INC

Do you wish to dispute this listing - YES (X)

Dispute Reason:
(X) Not Mine
( ) Never Late
( ) Other ___________


It is that simple....even easier than by mail...and you ensure it gets "entered" into the system because you do it electronically, not relying on some underpaid CSR dispute rep at Equifax who throws away 50% of the letters he/she receives ya know

Also, until you confirm the entry with a button at the bottom of the screen saying something like "SUBMIT INVESTIGATION" you can always BACK OUT and nothing will be entered...this is good to do, if you wish to see the online investigation form without "doing" anything at all.

-Peace, Dave

 

If CSC Credit Services has Jurisdiction over your area you might try faxing it to:

CSC Credit Services @ Fax # 281-878-1974

T-Man

 

That is good info T-Man...I forgot that, (somtimes), if you are handled by a local Equifax affiliate, you CAN NOT do an online investigation.

I suggest you print ALL the screens so that you keep a written record...otherwise (when you most need it) you may be left with a bunch of electrons as evidence that you disputed

-Peace, Dave

 

kittiekat3 & Dave,

Thanks for the info, that seems easy enough. Just click the box and wait the 30 days for them to validate. From that point on depending on the method they use for validation (electronic rubber stamping or the info they come up with (CA info I guess or no response from CA), might get the item deleted. If not then of course it's back to step one - you do the validation yourself with the CA the tried and true way.