Hey everyone .... Well I spoke with AFNI on Friday and they told me that they did in fact close my account and requested a deletion from Equifax and she said had no idea why Equifax put it back on my file. She said the woman who told me that the account was only temporarly closed was wrong and that she would speak to her supervisor. She also sent me the Unoversal data form showing that they requested Equifax to remove. So i called Equifax today and Equifax said it was never removed (which is NOT TRUE -- in fact i have several copies of my credit report showing that it was removed!) and that AFNI verified on Nov 6 (which they did) but never requested it be removed. I told them I had the Universal data form and a letter from AFNI and all 3 people I talked to said that they would be willing to reivestigate! When i asked why they didn't send me a letter within 5 days telling me that they were putting it back on my credit report -- she said that they didn't need to do that -- they only have to do that if the credit bureau made the mistake and removed it (is that true?) but in anu case, they said it was never removed to begin with. what a bunch of idiots. how incompetent can you be? what do you guys think? should i sue equifax? tboy
Contact Robin Holland first @ robin.holland@equifax.com I am sure either she or Vicki Banks can handle this for you.
But it sounds like AFNI has already helped him. I'd try the contact that SCMom gave you. If that doesn't work, sue them. I don't think the FCRA says anything about the CRA making a mistake. Don't believe a customer service rep.
thanks guys The FCRA says: Treatment of inaccurate or unverifiable information. (A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly delete that item of information from the consumer's file or modify that item of information, as appropriate, based on the results of the reinvestigation. B) Requirements relating to reinsertion of previously deleted material. (ii) Notice to consumer. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ---- I guess I can see them arguing the point that this had to be something THEY initiated the deletion of based on this. What do you guys think?
Re: Re: Equ Lawsuit - anyone care to join? Yes and no. I disputed with AFNI and asked for validation. During that time, I disputed with EQ to reinvestigate and AFNI verified the account with them. Then a few days later, AFNI closed the account and asked the CRAs to delete. EX and EQ deleted. A couple of weeks later, EQ added it back. AFNI insists they did not ask them to add it back. So the technical answer would then be it was not deleted during a consumer inititiated dipute with the CRA, only with a consumer-initiated dispute with the CA, tboy
