As much as I wanted a clean report, EQ has just about taken that to the next level! They deleted everything I asked them to, and things I did not. A month ago, I noticed that my car payment was listed as in dispute. I called them and told them I was not disputing that. They said that they were using that as I had requested removal of addresses so they were using it as address verification. Today, I get my report. I only have 2 collection accounts left, but I no longer have my car payment, loan payment or the 1 credit card I have. How do I get these things back - and - do I want them all or just select few?
If the accounts are listed as positive on your report then you want and need them back ASAP because the deletion of those accounts will hurt your scores. ALL CRA have at some point done this very same thing to many members here at CN. You need to contact them and tell them they need to replace them immediately. Understand that it may not be as easy as just telling them what you want they may require you to send in "proof" of the accounts in question before they replace them. It may not be the correct action on their part but if you want the accounts back on then you have to do what you have to do. This is one reason why you will hear over and over again never to dispute anything on a positive account unless you are prepared to lose the account forever. Good luck
Something simular happened to Butch in Dec 2002 I believe. Might search it out. It is a huge thread, though
Just curious ... if a CRA deletes a satisfactory account, would the OC report it again as per your request? Would the CRA list it as per CO's report? As I think of it - is there any law which obligates CRA to list an account reported by OC?
EQ Deleting TL's In Masse! http://consumers.creditnet.com/stra...=&threadid=37232&highlight=deleting+AND+masse God! There's so much to do I can't even believe it. I have a strategy for this but it's complicated. It's just a matter of putting it all together.
Re: Re: Help - Eq Has Almost Erased Me!! If the OC subsribes to the CRA service then they (CRA) will report what the OC gives them (good or bad). If the OC values your business I so no reason why the would not verify the correct account info if needed.
Re: Re: Help - Eq Has Almost Erased Me!! If the OC subscribes to the CRA service then they (CRA) will report what the OC gives them (good or bad). If the OC values your business I so no reason why the would not verify the correct account info if needed.
Re: Re: Re: Help - Eq Has Almost Erased Me!! I've learned a lot about this issue in the past few months. Eq deleted an account on me which is STILL open and ongoing. It was reported incorrectly, so I tried to make em fix it. Since fixing it would have resulted in a PERFECT 10 YEAR TL, PAID/NEVER LATE, they deleted AND suppressed it too. The OC reports every month, and has, since last year, BUT THE TL IS CONSPICUOUSLY ABSENT, even to this day. CRA's like to insist that as long as the info. contained in your report is accurate then they've complied with the law. Congress, and the courts have disagreed because this philosophical conclusion ignores the fact that GOOD TL's are also a reflection of ones credit worthiness. Therefore a CR which is INCOMPLETE is also INACCURATE. See where I'm goin?
Re: Re: Re: Help - Eq Has Almost Erased Me!! Here ya go: CASELAW ON MAXIMUM ACCURACY FAYE A. SCHOENDORF, Plaintiff and Appellant, v. U.D. REGISTRY, INC., et al., Defendants and Respondents -- Calif Court of Appeals Especially quoting Cisneros. -- Complete case at http://www.cfac.org/CaseLaw/Cases/Schendorf_v_UD_Registry.html UD Reg is a CRA of sorts. They declined to update the plaintiff's report because they said it was correct as reported. Plaintiff sent supporting documentation (letters from neighbors disputing the events described in the report), copy of cancelled check showing the landlord had settled and paid HER. UD's defense was basically "this is all in the public record -- we're sorry she doesn't like the public record, but we're just reporting it as it appears." The court said, "On appeal UDR contends that it was not required to make any changes in plaintiff' s report because the information she provided was not a matter of public record. We conclude that plaintiff made a sufficient showing that UDR should have modified her report even if the additional information was not contained in court files or similar sources. Accordingly, we reverse. "UDR overlooks its broader obligations under the statutes as a credit reporting agency. Both [the] CCRAA and FCRA require 'maximum possible' accuracy. (Civ. Code, ÂË? 1785.14, subd. (b); 15 U.S.C. 1681e(b).) This means that a report violates the statutes when it is misleading or incomplete, even if it is technically accurate. . . . 'Congress did not limit the Act's mandate to reasonable procedures to assure only technical accuracy; to the contrary, the Act requires reasonable procedures to assure "maximum accuracy." The Act's self-stated purpose is "to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit . . . in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information." 15 U.S.C. 1681e(b). Certainly reports containing factually correct information that nonetheless mislead their readers are neither maximally accurate nor fair to the consumer who is the subject of the reports.'" (Cisneros v. U.D. Registry, Inc., supra, 39 Cal. App. 4th at pp. 579-580, italics added. .
Re: Re: Re: Re: Re: Help - Eq Has Almost Erased Me!! Yeah downtown to file. lol . I still have time. SOL is another year. .
Re: Re: Re: Re: Help - Eq Has Almost Erased Me!! It actually says maximum possible accuracy ... Well, they might be right - this could be their limit of possibilities ... This is what I meant ... in some of your posts you advised someone to go downtown and file a lawsuit ...
Re: Re: Re: Re: Help - Eq Has Almost Erased Me!! I know whatcha meant VG. Just clarifying for others.
Re: Re: Re: Re: Help - Eq Has Almost Erased Me!! Here is what happened... You asked Eq to remove your addresses. As a part of their investigation to remove your addresses, they DISPUTED any tradeline which was reporting those addresses. Now, because of those disputes, those accounts were deleted because the OC didn't respond to the verification of the account information. The first thing would be to contact the OCs for the POSITIVE tradelines only. Tell them that they apparently were reporting inaccurate address information, and because of it, Eq deleted their listing. Please update all your address information that you are reporting to XXXXXX, XXXXXX, XX, XXXXX-XXXX, any other address information is inaccurate. Then please resubmit the account to Eq manually. Heck, I'ld give them a list of all of the correct personal information as you'ld like it to appear on your credit report so that any future additional incorrect information won't appear. The more addresses you dispute, the more likely that one of those addresses will be cross-referenced to a valid account that you want. Eq is the only one that I've seen which goes through and requests verification from the tradelines which were reporting the address information. But at least they're updating your addresses, my addresses have been listed as more time is needed to process since way early in the year...
Re: Re: Re: Re: Help - Eq Has Almost Erased Me!! That would not be correct in this case. The address I requested be removed was really not mine, never has been. The car payment company reports my address I currently live at, and that address only. However, upon calling these jerks today, I find out that I have two reports. She said there is too much information for only one report. I questioned then, why, when I purchase my report online, does it not say that, and how can I get one online. She informed me that I could not. Please someone explain to me how when I had 17 negative TL's on that report, it was all one report. Now that I have only 2, it is two reports? I can't figure that one out. Any ideas?
Re: Re: Re: Re: Re: Help - Eq Has Almost Erased Me!! If you check your report on-line a a lot (like with privacy guard or something) all the soft inquiries make your report to large for the database and it is split in to 2 reports.
