I've been trying to get a few old (paid) collection accounts removed from my Equifax file. I had no issue getting them removed from Experian and TU, but Equifax is being difficult. I'm pretty sure that these entries deserve to be deleted, but I've disputed with them three times and they still won't delete. Would it be beneficial to consult with a lawyer and have them send a more official sounding letter (with no specific threat of suing)? I've never had a lawyer so I don't know if they can easily write up somehting unless they're familiar with that area of law. Maybe an accountant would be a better idea? Any idea on the price for having this done? The issue is, these four collection accounts, from th same collection agency, are on behalf of a medical company. The total for all four is maybe $300. The entries are reported as "Retail", which, as I wrote to them, is not only inaccurate (FCRA) but also I believe makes the name of the origianl company viewable to anyone pulling me report (as opposed to if it were reported as Medical) -- FCRA and/or HIPAA. I don't know how they can get away with not removing or fixing an inaccurate item. Here is the latest letter I sent to them. Oddly enough, they deleted one of the four and left the other three.
I doubt hiring a lawyer or accountant to write a letter and follow up for you will be worth the money. I would try disputing the accounts individually. The most effective dispute letters are short, to the point, and specific to an individual account. If you have too much information in one letter things seem to often get overlooked. Perhaps that's why they deleted one but left the others?
