Hi - I'm hoping someone can help me out. I'm basically being screwed over royally by a credit bureau (Equifax). I'm a junior (well not technically - different middle name from my dad) - but he has been fighting cancer for the better part of 5 years. During that 5 years he wracked up major medical bills. They started showing up on MY CREDIT REPORT dragging my credit score down. I have repeatedly disputed these bills but equifax does NOTHING. Is there possibility this is something I'd win if I sue them? Anyone have any thoughts on this? I can 100% prove via social security numbers, my father's testimony, and the hospital's bill keeping departments that these are NOT MY BILLS. This foolishness has prevented me from buying a house and I'm getting sick of it lol. Thanks in advance for any advice! -Jim-
Yes- this is a huge mistake on the CRA's part that actually seems to happen quite often. It's definitely something they need to rectify, and if they won't after repeated attempts, then you could sue them. Have you disputed the errors in writing or actually talked to a human being at Equifax yet?
Hi There - I have disputed them on paper several times. I wasn't aware you could talk to a human being there. I couldn't find contact info anywhere. -Jim-
First question, when you disputed these medical bills with Equifax did you send documentation from the medical provider showing that these bills were your father's and not yours? When you sent a dispute letter to Equifax did you get an updated credit report showing what they did. The reason I ask is because you can only speak to a rep. from a CB if you have a report number which is on an updated credit report that was part of the CB's repsonse to you.
