OK, I am pretty thrilled. I have had a devil of a time getting EQ/CSC Credit Services to accept a letter from JCPenney stating my account has no derogatory information (EQ reports it with 13-30 day lates, which is bizarre and way wrong). EQ/CSC wants a letter with a signature,which is bunk, but I want it fixed. I had a litigious nutcase letter all planned out, but on a fluke called JCP once more and begged and pleaded and finally got someone to send a signed letter. And about 3 hours later, my fax machine starts buzzing and.....A FAXED LETTER, SIGNED, by a JCP credit specialist!!!!!!! I am amazed at this--I sent a letter thanking him or her profusely, and also immediately faxed it to CSC with a request to immediately remove the derogs from the 2 accounts and update. I plan to follow up CRRR, of course. I used some info form a letter Erika wrote, where she said explicitly "this is wrong, fix it so it is written like this." I know I should have, just for the principle, waited the 30 days and threatened to file suit, but I want it fixed. But I also am planning to follow through with this; I'll believe it when I see it but they have no reason NOT to remove the cr#^ now!!!! **doing a small little happy dance, sorry!!!!** Mirabelle
Congratulations, mirabelle. I hope everything works out and the incorrect information is deleted. Dani PS Happy dancing is okay, as long as Doc doesn't see it.
Told them immediately....which to me means NOW, but to them means a day or two if I am lucky. To get entirely technical (and to fair, even though I don't want to be...), this is the first time I have been able to give them a "signed" letter. They should be willing to take the creditor's unsigned one, but they want to be difficult about it. I am thinking that the 30 days start now...unfortunately. I'm not going to tell them that; rather I am just going to let them them that I am on a litigious rampage. I did some reading of old posts, and apparently EQ has some policy that they don't like to accept letters from consumers that the creditors sent to them--hence the no-sig deal. That's ridiculous, but I guess they have been burned by people who alter creditor letters. Not right, but I have a major problem with being held accountable for other people's mistruths. EQ has everything they asked for...now they need to fix it. And if they don't I have a plan...lit. nutcase letter in 30 days....wait 15 days and then the demand letter from an attorney (I don't want to do this unless I have to...the letter itsself is $175...need to check around but I think that's a good rate) and then who knows--lawsuit, I guess. I am not backing down this time. But I also don't want to expend money for an attorney unless I have to. Not wimping out...just trying to not spend money!! (and I don't care about how I get to the outcome--I just want the flipping things corrected as soon as feasible)
Nancy, No, I didn't have any real 30-day lates (maybe one from 6 or 7 years ago, but I think that one is gone); that is why this is so aggravating. Out of the blue, all these 30-lates started showing on Equifax--and only them; TU and EXP didn't show them. JCP quickly looked into it and said they updated and removed any derogs and that was that with TU and EXP. EQ never updated and didn't like the letter they sent either. I concentrated on this account because it was by far the worse and also (I believed) the easiest to correct since it was legitimately wrong. I was so incorrect...it has been the hardest to deal with of any of the items my husband and I have disputed. Hope that helps. Mirabelle
I don't want to be negative, but, when I did the same thing, the CRA refused to accept the creditor letter from me. Their theory was that I might have forged it. So they did the regular investigation and checked with the creditor directly. Both EQ and EX took the full 30 days to investigate and delete. On another creditor, I had the credtor write the CRA's directly, using the credtor letterhead. Neither EQ or EX would accept the info directly from the creditor. They had to do the investigation themselves. Again, both took the full 30 days to delete.
I pray not, and I will be irate if EQ doesn't...they whole deal is they disallowed the first letter because it was "just" a letter from JCP on letterhead...they needed a signed letter, so after pleading, begging and a ton of phone calls, I got the signed one. The new signed one is on letterhead, so since EQ said that is what they wanted, they had better accept it this time. If they don't, then I have a mountain of proof that they are intentionally not working cases that should be resolved. It's like they want the creditors to respond--they won't--and then we get stuck in the middle of a "he said/she said" game. Most, most annoying.
You had problems with JCP too? They screwed me over big time. I posted about my experiences here. They reported my account closed by grantor and with a bzillion lates. They sent me a letter saying that I closed the account. So I mailed them a letter telling them that they better fix it. And they did. They also updated it to perfect. This also happened with a 30 day late from the Limited. I disputed that it was never late, and it's a perfect acount now.
Erica, yes! I found your old posts and it sounded like a mess...I also used part of your old letter where you specifically told the CRA how the account should read--otherwise, I am afraid they may just correct part of the account. Thanks! In this case, it does look like it is EQ's fault--not JCP, since JCP has no record of bad payment history. And of course JCP blames EQ so maybe it's just the space aliens, right?! You gave me hope by saying yours got resolved...thanks! It's so ironic--we've disputed stuff that gets taken off that should stay (like late payments) and something that is really and truly incorrect is a bear to get resolved.
Glad I could help!!! I forgot about that letter. Maybe I should search for it and read it again. LOL. Congrats again!
