Experts, Today I retrieved both my credit report from PG and from EQ. The very disturbing part is that the PG report showed two tradelines that had been deleted from EQ over one year ago. These tradelines do not appear on my EQ report and haven't since deletion. I called PG and they told me they pull from the "real / main" database and the EQ consumer disclosures are not the real info. I called EQ and asked them WTF? They told me whats in the consumer disclosure is what's in the file, period. Beyond that, I cannot dispute something that's not in my EQ consumer disclosure. I am really wondering what is going on? Are there really two separate databases? Does anyone else have this problem where deleted tradelines from EQ are appearing on PG? I am thinking this is actionable and suing both parties. Comments?
I would pull the myFICO version and see what it contains. EQ can say what they want, but if your deleted TLs reappear and downgrade your FICO score, that's both important and documentable cause for damages. My experience is not the same, but has a similar feel. I found two inquiries were appearing on PG and not appearing on EQ, once they changed their format this summer. I suspect it's a bug in their reporting software, so I called and spoke w/someone there. She was very sweet and asked me to submit copies of both reports via email, so I did. Got back a nasty reply, wrote them again giving the name of the woman I spoke with and pointed out how they were allowing inaccurate data to go out without even thanking me for pointing this out and perhaps the FTC would be interested. Well, no reply on that, but about three weeks later I noticed the bug was fixed. Yes, now I see those inquiries on EQ's report. When I looked at the myFICO reports, it showed NO inquiries. I'm NOT going to complaing about that. My theory is that EQ does not actually delete any info from your CR. There's a trail of data in there, and it's marked "display" or "don't display" for reporting purposes. If I were designing their schema, that's an approach I might use for many reasons. I think there are some problems with when/how they handle the display flag when their web reporting format changed. Anyway, my point is, pull your myFICO report and see what it says.
I don't know that anything is 100% accurate in this credit reporting and scoring game, though I am with ya'll in saying there is ABSOLUTELY NO REASON that is shouldn't be. I think it's truly time for the feds or a private firm to step in for a throughough investigation. I do believe the theory that EQ doesn't truly "delete" ANYTHING. It's merely set to a "display" or "supress" format. But I also think that all the CRA's have some sort of game going on like this. Any takers on a finding a publicity guru to completely expose this credit and scoring farce?
I am having a similiar problem with PG and EQ. My situation is that a negative account is appearing on my report from experian.com but it is not appearing at all on my PG report. PG told me to call Exp. because they get all their info. from Experian's main database. When I called Exp. they told me I'd have to call PG and find out why there are discrepanices, they suggested that PG doesn't update very often, but I don't think that's the case. Have you figured anything else out about this matter? thanks.
I am going to send CRRR letters to both, with both credit reports. If there is not a satisfactory response then I will send an Intent-to-Sue both companies. The CRA has the obligation to provide an accurate file, including those provided to third parties. Should be some easy money.
I would suggest you request from Equifax a complete copy of your consumer file, not report. g) The term "file," when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
Take a look at this, guys - http://consumers.creditnet.com/straighttalk/board/showthread.php?postid=388896#post388896 ... I'm on my way to get them (I hope) ...
I also had the same problem! The only difference was that PG was showing an inquiry that was not on EQ's site. When I pointed it out to EQ (the difference), the inquiry suddenly appeared at the top of the list on the EQ site. Uh, duh!
No easy money there. Privacy guard isn't responsible for the accuracy of its reports -- that don't sell to a 3rd party. http://www.creditboards.com/phpBB2/viewtopic.php?t=8648&postdays=0&postorder=asc&start=0 Sassy
