I shot off a letter stating that items were inaccurate and asked for results to be returned 03/01/02. I have nothing as of yet. How should I handle this?
That happened to me with EQ also. Call and find out if anything is marked as "in dispute" ... when you call do NOT give them any information other than your Name and SS# and that you have heard nothing from your dispute that was mailed over 45 days ago (or whatever). Do not try and explain things to the rep. When I called I got the bad news, "nothing in dispute", which meant EQuifax just tossed my disputes in thr garbage. Don't get upset if you have this happen, it happens a lot. What you will have to do (all you can do really) is re-dispute the items. My suggestion is to dispute online. That way you KNOW the disputes will be "processed" and you also avoid the delay of the USMail. If you do, save copies of all your disputes, the dates, and any confirmation numbers you get from the system to save for reveiwing your progress, or evidence you may need later. Good Luck -Peace, Dave
Well thing is, I faxed it. I have been faxing them since I started and never have I had any issues doing it this way. My thought was that by law they only had 15 mor3e days to clear this up and i actually gave them 18 days and I have not heard a thing yet.
Ok, just got off the fone with them. STUPID for one. Little missy tells me that they received my reqst on 02/11/02 and sent off their reqst to creditors on 02/15/02 and they will notify me in 30 days on or around 03/15/02. Don't sound right to me. This is a crock! I am so ill with them!!!
Equifax only has 30 days period. Once they sign the green card the clock is ticking. If they cannot verify in thirty days, then the items have to be removed. They can reinsert them so long as they notify you in writing within 5 business days.
Not entirely true. There is nothing requiring response in 30 days, just that the investigation be concluded within 30 days. For instance on one of my old TU confirmations they write "we received on 06/21/2001...investigation will conclude in 30 days...you should hear back from us before 8/11/2001. They also reserve the right to accept verification information even after they update. If they get a response after the 30 day period, say in 45 or 50 days they can re-insert the item they previously deleted. They are supposed to inform you of such action but past experiences here have shown they usually just re-insert without notification. -Peace, Dave
Got the same from the rep I spoke with. When I went to check online the status of the investigation it showed the correct CRRR receive date. These morons(most not all of them) at the CRAs are in need of some serious counseling. They get on that power trip and everything you ask for is a problem. The want to bicker and argue about every request no matter how reasonable. They misquote the law or no nothing about it. Today I got off the phone with Equifax about a reinsertion for a RMA collection account. I had three credit reports. One showing the account in dispute, one with the deletion and removal of the entry, and one from 6 days ago showing the reinsertion. The time elapsed from deletion to reinsertion is 20 freaking days. No notice of reinsertion, nada. Sounds like a slam dunk to get removed by a simple phone call. NO!!!!!!!!!! The witch wants to argue about it. With every sentence her ignorance is showing. She says "Well RMA didnâ??t provide us with any additional info we added the account back because of an error". A big WTF. I was speechless. After I composed myself, I asked her for what possible reason would Equifax just reinsert something? The answer I got was completely incoherent, I can't even remember it. Well I knew the IQ on this one was near the temperature of tap water so I asked for a supervisor. Same dribble. Is it me or are these folks so self esteem deficient that every mistake that their company makes they have to internalize and make it seem we are questioning their judgment. Is their own self hate so all consuming that every person they come in contact with has to feel the same frustration and hopelessness that that $8.50 per hour buys. Well the head of the coven told me to fax the three reports and they would consider a reinvestigation. The coconuts on this one! Well I sent them this instead. XXXXXXX XXXXXXXXXXXXX XXXXXX, XX XXXXXX LAST NOTICE BEFORE LAWSUIT To whom it may concern, As per my husbandâ??s conversation had with Ellen in Team 2 at Equifaxâ??s customer service department I am submitting credit reports confirming the reappearance of information on my credit file. I have a credit report dated December 12 , 2002 Confirmation number 13330... showing an account with Risk Management Associates being in dispute. I have a credit report dated February 10, 2002 Confirmation number 2041.... showing clearly the account had been deleted. I received another report March 1, 2002 Confirmation number 204.... showing the account as being reinserted. I received no notice of the reinsertion which is required as per the Fair Credit Reporting Act section 1681(i). After my husband called today he was informed that Equifax would review the information and make a determination as to whether the account would be removed. Your company has violated Federal law and if the account is not removed in 5 business days I will be filing suit in Palm Beach County court for willful violations of the Fair Credit Reporting Act and will be seeking $1000 in damages plus allow the judge to reserve punitive damages. Also I will seek injunctive relief to have Equifax remove the entry and block it from reappearance. I have tried to work this situation out by pointing out the clerical errors made by Equifax and hope we can resolve this without any litigation. Thanks for your help, XXXXXXXXXXXX Maybe I should just file?
In a Beevis and Butthead Voice: File, File File...heh heh heh That is ridiculous.... "we re-inserted due to an error." Ok then "re-delete it due to correctness". Hopefully that letter will get things done, but I would file anyway. Good Luck LWG8TR. -Peace, Dave
Did you tell her there was something more important to consider like the penality for violating your rights?
These folks are like talking to a brick wall. I actually read them section 1681(i) of the FCRA. The automatons just don't know what to do. Threats and intimidation bounce right off them. Frankly, what does Ms. PissyPants care if you sue her mega-billion dollar taskmasters? She gets to woof to her coworker in the next 4x4 cubicle after the call is over at "How she told you". I have never sued a CRA but I bet Doc or Lizard can attest that after you serve them with a fat pack of violations backed up by documentation their tone completely changes. I've heard some of the people on this board refer to the CRA's Counsel using phrases like "We would like to keep this out of court at all costs" or "What can we do to make this an amicable settlement".
