Hi all, I having a problem with Equifax removing an Household Finance item on my report. I sent 2 disputes in, the second more demanding along with a letter from the creditor to remove the item. I said in the letter, if this is being verified please prove it. Give me names, phone numbers and addresses. I just got back my results and I got a copy of my report and another letter showing the result of my investagation. It says Equifax verified that this item belongs to me. with the name of the creditor and address and along with the phone number. I called the number and it says you have reached a non working number at Household finance. The question I have is, if it was verified how was it done if the number is nonworking. Is this good for me? Should I call Equifax directly and tell them the same thing?
Equifax is just asking to be sued. I recently had this issue with them re two accounts, but my issues have been resolved to my satisfaction - after many yells and threats. If you have a letter from the creditor, and Equifax is still verifying, then either Equifax is not truly verifying OR Equifax is verifying via ACID tape and the creditor has not updated it's tape record. So, 1st read Equifax your creditor's letter, and ask them exactly how they are verifying, since the number they gave you is inoperable. If they respond with "tape", then ask Equifax to do a phone verification with the person/department who wrote your letter. Make sure that you have a contact at the creditor and make sure that the deletion is noted on your account. Make sure you give Equifax the direct line to the right department, including name, title and, extension number. Then call your creditor, tell them that they keep verifying to Equifax via tape, and that they must update the tape AND FAX in a rush form to the CRAs to delete the account. Do all of this in WRITING to both Equifax and your creditor in addition to the phone calls. If that doens't work, then name both Equifax and the creditor in a lawsuit for defamation and inaccurate reporting.
I did all of my disputing on the phone and by writing. I like to dispute over the phone, because the CRAs really know that I'm an irate customer with legitimate grievances rather than a credit repiar company or someone pulling a scam. But I'd do it in writing, too, if in the future a lawsuit is necessary. Hope this helps! Marci
Ther VERY same thing happened when I disputed a Household Finance account & just last evening sent a letter thru Planet feedback to their CEO about my concerns that they have not corrected my account,sent certified/returned receipt w/signature...but yet NO REPLY(& claimed to Equifax....VERIFIED....but inoperable phone #). But I'm on these people like stink on stuff,because I have had issues w/them in past when GE Capital sold Levitz accounts to Household. Peace,
