Here is the timeline on a collection account I have (it is paid by the way). I did not know the right way to go about all of this when I started!!! 10/01 Listed as Unpaid. I disputed it as paid (DUUHHHH) and it was updated. 1/02 It was listed as Paid. I began to send validation requests to CA. 4/02 The CA sent me two computer printouts that we NOT validation at all. This is when I started to understand what I was doing (thank you CN). They began listing the acct as "checked" (anyone know what that means???). 6/02 They finally deleted. 7/02 It is back on my report listed as Unpaid. Equifax never sent me anything notifying me that it was being reinserted. What is my next move on this? Thanks!! G
I am afraid I don't know the answer to your question, but someone will answer it. If not we will keep bumping it to the top until someone does. Dani
Well, if EFX didn't notify you that they were reinserting a deleted item, then they have violated the FCRA. From what others have said on this board the only way to force the issue with them is to file a lawsuit. It may be that you could talk to someone at EFX and get it fixed, but somehow I doubt it...
