Another Equifax Lawsuit?

Discussion in 'Credit Talk' started by danrs, Nov 18, 2001.

  1. danrs

    danrs Well-Known Member

    Looking for opinions.

    For any who read my post from the other day about the re-reporting of an account deleted as per agreement with Equifax as a result of my lawsuit.

    I just figured out I have them on another new violation, not to mention the possible issues in the re-reporting of the account.

    I found out of the accounts existence on my own. I was never notified, as required by the FCRA, of the re-insertion of the previously deleted account within the 5 day time frame (assuming it came back on before Friday).

    Can I nail them on this, or does the fact that I found it on Credit Watch by chance serve as my "notification"? I am still very pi$$ed about this, and will take it to them if I can. This time, I want money.


  2. roni

    roni Well-Known Member

    You can nail them on it.

    I talked with a rep two weeks ago claimed they didn't have to inform me of negative information being added to the file. I promptly corrected her and cited the FCRA section when a tradeline has been deleted they are only allowed to place the information back in the file has been "certified" by the original creditor.

    After talking with a supervisor and then the manager, she told me to contact the FTC if I had a problem with EQF. I told her if I had to complain about them following the law I would do in court, not to a government department. I got her to tell me that they have no means of notifying ANYONE if an item has been placed back in the file. Crazy huh?
  3. SofaKing

    SofaKing Well-Known Member

    "I got her to tell me that they have no means of notifying ANYONE if an item has been placed back in the file."

    I gar-oon-tee she WOULD find a way... within minutes of their in-house counsel informing her of a lawsuit.

    Shame on their software developers for not placing a simple line of code in to generate a form letter after a re-insertion of a NEG.

  4. LKH

    LKH Well-Known Member

    Part of my lawsuit against Credit Data Southwest (experian) was based on previously deleted accounts being re-reported and them not notifying me per the FCRA. They may not have a system in place to notify creditors of re-reported deletions, but they are opening themselves up for numeroous lawsuits. Go for it, you have a written agreement with them that they would not reinsert it. I bet if you filed suit, they would offer you a cash settlement and delete it again in a short period of time.

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