BEWARE I just received undeniable proof that Equifax WILL and Equifax DOES change dates on letters and credit reports in order to attempt to avoid lawsuits. For instance, you contact Equifax and state I disputed an account on January 1 and it now February 15 but you never responded. Why hasn't this account been deleted? All of a sudden, three days later, you recieve a letter dated January 3 claiming that your dispute is frivilous with a postmark of February 15. They realize that, most people, will probably ignore the postmark and throw out the envelope. Therefore, when they go to court, they can say...Your Honor, we did respond to Mr. Jones' dispute on January 3 and here is proof. Although I have not made it to the lawsuit phase yet, I have over 30+ violations against Equifax for ignoring disputes, reporting inaccurate information after being shown it is incorrect, for repeatedly reporting incorrect personal information, refusing to initiate disputes via phone, and so on. The scenario I laid out above has happened to me. Equifax ignored my repeated disputes for a particular account so finally I got a hold of a supervisor informing them that they have now ignored my disputes in violation of the FCRA and I would be suing. TWO DAYS later I recieved a letter dated 25 days earlier but the letter was postmarked ON THE DAY I talked to the supervisor. The letter was a personal letter directly from the supervisor that I contacted and was signed by the supervisor. The funny thing is that I NEVER corresponded with that person in the past except two days earlier yet they supposedly sent me a letter 25 days earlier! EQUIFAX IS VERY SHADY
and these are the people the government won't make significant changes to the FCRA to protect us from; this is how they are allowed to and prefer to do buisness; and we get it in the end with higher interest rates and possibly denied credit!
and these are the people the government won't make significant changes to the FCRA to protect us from; this is how they are allowed to and prefer to do business; and we get it in the end with higher interest rates and possibly denied credit! tonyd ==================== This is why fico was created to take advantage of such things as this. The reason creditors CAs and CRAs juggle the records is to manipulate fico and generate falsified scores. ------------------------------ In case nobody has guessed it the fox is guarding the hen house.
Re: BEWARE of altered dates w/ Equi "Democracy must be something more than two wolves and a sheep voting on what to have for dinner." -James Bovard
