Hello all. I'm new here to this board, and still a newbie (I've only been disputing for 3 months now), but I have made cleaning my credit report a part time job, that will only be paid with clean credit. It's been a struggle to understand everything and get underway, but now that I am, I'm on a mission! I have question for those who know how to decipher the reponses that you get from the CRA's... I disputed an erroneous debt on my Equifax CR. I mailed it out on March 6 and I received the green card stating it had been received on March 10. I received a letter back from them dated March 16th with a new copy of the credit report. Underneath the collection account it states "Consumer disputes-reinvestigation in process." On the cover letter it said, "Below are the results for Equifax to reivestigate certain elements of your equifax credit file. Equifax contacted each source directly and our investigation is now completed. Enclosed is an updated copy of your credit file." Under results of Investigation is says: We have reviewed the identification information. The results are: Name SSN Birthdate PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER'S LICENSE AND/OR OFFICAL DOCUMENT TO UPDATE YOUR NAME. My name is correct, and so is my SSN, but the birthdate is wrong. It's the same incorrect birthdate that was on my credit report before I had it changed and updated 1 month ago with Equifax and they CHANGED it because I did send them a copy of my driver's license. Now they want it again. But do they want it for the dispute, or because they are still showing the same incorrect birthdate? Not only did they send me a new copy of the CR with the updated birthdate, I also called them and they said it was updated. Considering they still have until April 6th to fulfill their 30 day obligation and then 15 days after that, can anyone help me understand what this means? Does it mean that they have tried to verify the infomation, it came back verified and they are trying to update my file? But then why do they state "re-investigation in process?" I don't understand if they are saying it was verified or what. I sent a letter on March 25 stating that I had already provided them with the correct personal info and that I want them to actually keep me apprised of what they are doing with my investigaion. AAAAAAHHHHHHH, I'm about to pull my hair out with them and this is only by first dispute letter. What to do, what to do? Thanks for any and all help!!!
