I have documentary proof that Equifax does NOT investigate when a Trade line is disputed under FCRA. Here are the facts, YOU be the judge: I have in my possession the following documents: 1: UDF signed by Arrow Financial Services requesting all bureaus to delete their trade line from my CRA file dated 5/13/2003 2: Letter from Equifax dated 7/1/2003 stating that they have investigated my dispute of the Arrow trade line and "Equifax has verified that it belongs to you" 3: Letter from Arrow Financial dated 7/10/2003 and signed by Corporate Counsel stating that "We have no record of recent inquiries from Equifax regarding the subject account...We have not reverified the acount and it remains closed in our system." OK, what sage words of advice do you all have for me?
Haven't I been saying this all along? I know for a fact Equifax didn't investigate my disputed 3 times 30 days late on my auto loan because my loan officer said all calls or inquiries about a customer are entered into each customer's computer file and he saw NO communications from Equifax nor did they speak with him.
Re: Re: Equifax FCRA Investigation Fraud I'm doing my best. It's not often you get the three documents I have together. The suit has already been filed.
Re: Re: Equifax FCRA Investigation Fraud Reporting and scores are the biggest con job ever pulled on the consumer..
*drooling* This is outstanding. I would not talk to EQX anymore. Let 'em think I gave-up. Next thing they know...*BAMM*...lawsuit appears at their doorstep. Act quickly as they may remove the trade line before the papers are served. Flyingifr...do not...Do Not...DO NOT...come out of this empty-handed. You can do some serious damage to their wallet...Please...for all of us...make them PAY!!!!!!
Re: Re: Equifax FCRA Investigation Fraud A: I already have filed the papers to start the suit. B: Even if they removed the Arrow TL today, it's alredy too late since they verified in writing that they "investigated" even though Arrow never got the dispute and has said so in writing. C: Someone is lying here - either Equifiction or Arrow and I don't care who. I'm gonna collect from BOTH if I can.
Re: Re: Equifax FCRA Investigation Fraud TELL me you have actual damages.. please please tell me you have actual damages you can collect. IF not, go apply for the most stringent bank line of credit or plat credit card and get some before this hits court (you can ammend your complaint). this is such proof that you need to hammer them into the ground. God, what luck you have BTW: I've read the court cases and appeals, and the reason you also apply for credit THEN sue is one of the appeals was lost because the only person who ever saw the error was the plaintiff... and your copy of a file doesn't constitute the definition of file under which you can file a FCRA lawsuit... so make sure several lending institutions see these errors, and deny you or give you higher terms than you would get without the error... make it a local bank or 2 so you can subpeona the manager into court... trust me on this one
Re: Re: Re: Equifax FCRA Investigation Fraud I have adverse action letters at both extremes - American Express and from Wells Fargo for a SECURED CARD!!! That way I can show that they screwed up my credit so bad I can't even borrow against my OWN money.
Re: Re: Re: Re: Equifax FCRA Investigation Fraud Sorry, don't mean to interrupt but I'm trying to reach MARIE ... I believe this was her last post. Marie Can you respond to this post, I have some other questions too. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=362513#post362513 TIA
