I am so mad at CSC/ Equifax. DH has a medical collection -- $57, DOLA 05/97 First, he sent a letter to the collection agency, which came back "return to sender." Then he sent disputes to the CRAs, with a copy of the "return to sender" from the address the CA is listing on the reports. TU and EX dropped the TL, but EQ did not respond. He sent a 30-day "reminder" to EQ. He got results letter back from EQ on Saturday that states: "Adverse accounts that have been paid in full will automatically be deleted seven years from the date of last activity." Obviously this is no kind of investigation result. I seriously doubt they investigated at all becuase they would know that the CA doesn't exist at the address they are listing (if at all). What can I do know -- send another demand for deletion letter with a cc to the FTC about the CRA's poor practices? Can the state Attorney General help me here? Or just an intent to file a complaint? I already told them in the last letter I was keeping an eye on them with the intention of filing a complaint if they didn't do anything. There are 3 other derogs on this account, so its not like this is the last one ... should I focus on some others for a while and then come back to it in a few months? any help would be appreciated. thanking in advance. peace, delilah
Sometimes one can become confused about addresses of collection agencies. I had that happen to me just lately. I had a local student of mine who sent a demand for validation and all the rest of the letters to a collection agency and was ready to file suit on them. But he had received a letter from OSI because he had sent his demand for validation to the address listed on the credit bureau report which turned out to be OSI who didn't know anything about the listing. So he went hunting for the collection agency through the Georgia Secretary of State's website since the address he had was a Georgia address but was for OSI. And yes, he found the other collection agency listed as well but it turns out they are a Delaware Corporation with offices in New Jersey. Now he has to start all over again using the correct address for the company he thought he had nailed to the cross. Happens that way sometimes. Maybe you could be having the same kind of problem.
Bill, Don't mean to go off-topic, but, is the OSI account Perimeter, Palisades, or Gulf States? They are the same thing as OSI.
well, its possible the address is just wrong and I need to find the correct one -- that's true. But still, shouldn't EQ have given me some other response after 30-plus days other than "accounts will eventually drop off." Regardless of the address issue, I think EQ should be held accountable in some way for not doing anything about my dispute. Any other ideas on how I can turn up the heat enough to get this deleted? thanks. peace, delilah
Palisades is the one that my student was looking for but they aren't one and the same. OSI claims to know nothing at all about them and they are under totally different registrations.
Par for the course. They would rather lie on credit even if they could get paid cash for the truth. (LOL)
