Hey all. Great board. I have learned alot. Now maybe you all can help me out with this situation. I sent a dispute letter to Equifax for a CA account that needed to be updated with a $0 balance. I heard back from transunion and experian with the needed corrections but I get a letter from equifax stating that the identity information I provided doesn't match. This isn't too hard to beleive since I'm in the military and have just moved twice in the last six months. So i send them copies of everything they ask for; a bill with my current address and w-2's. I even sent them copies of my first letter and all my supporting documents i sent the first time again. I go back to the post office. Pay to send it rrr again. two weeks later i get the exact same form letter saying they can not verify my identity and ask me to send them the exact same stuff. Not like its going to change from two weeks ago. Also strange that transunion and experian had no problem with my identity. any thoughts on how i should hadle this situation? thanks in advance.
I would personally try to call them, ask to speak with a supervisor, and escalate the issue as high up the chain of command as you can... If you want to do the actual dispute in writing, that's fine, just get the name & physical address of the person whom they tell you to contact directly. EMPHASIZE that you provided more than enough information with the first correspondence, and on the second correspondence, you sent *ALL OF THE EXTRANEOUS DOCUMENTATION* which they demanded; and they still refuse to comply with the FCRA and properly investigate the trade line. Another chain of attack would be to draft a complaint for the BBB office that comes up when you search for their name, as being their home office BBB. Begin the letter emphasizing that you are in the military, and EX refuses to investigate discrepancies in the trade line belonging to XYZ Co. Provide a copy of the first & second dispute letters that you mailed, and their responses, and emphasize that with the second dispute, you provided all the extraneous and unneccessary documentation to affirm your identity, and they STILL refused to investigate the trade line belonging to XYZ Co.
If I write a letter to the BBB should I tell Equ I am doing that or maybe male them a copy of the complaint? and thanks for your suggestion jam
