Okay creditnetters, be kind here and offer all the words of wisdom and encouragement you can muster. I have swallowed crap from these people (Equifax) about as long as I can! I realized this tonight when I got a copy of my credit report in the mail from my local Equifax affiliate, CSC of Houston. I opened the envelope, and like something from a cartoon instantaneously burst into tears! Most of you probably know that feeling of extreme frustration that goes along with this journey. Here is the basic story: 1. I had 2 HFC accounts that were reporting incorrectly. HFC agreed to delete them, but it took FOREVER to get them removed (like 6 months). I had copies of the UDF's, a letter from HFC, and I still could not get the accounts deleted. Finally, about 3 months ago, these accounts were finally deleted from all three CRA's. Yeah! 2. In the report I received today, these accounts are back!!!!!! Not only are they back, they are reporting as I9 charge off. My score dropped 90 points in a single day! 3. The only reason why they sent me a copy of my report at all was to tell me that their investigation was completed & to give me the outcomes. I disputed 2 credit card accounts. These accounts were mine, but they are reporting incorrectly. I faxed a letter to CSC saying dispute these 2 credit card accounts for the noted reasons and listed the account numbers. CSC didn't dispute the right accounts! They disputed a paid car loan that was 42 months of I1 and a Citibank card that was 6 years old and I1. Both of these two positive accounts were deleted! 4. I also received from CSC, in a separate envelope, the basic form letter that says "we don't investigate inquiries." I am absolutely livid! It is time to file a suit against these incompetant, uneducated scumbags. Do I have a valid case, in everyone's opinion, to sue and make this stick? My goal is total clean up of all remaining negatives. Any cash would be gravy on top of the deletions. CSC has: 1. Failed to alert me to the reinsertion within 5 days on the 2 HFC accounts - 2 violations of FCRA. 2. Took it upon themselves to dispute the wrong accounts, without any direction from me, resulting in deletions - I don't know what section of the FCRA this violates, but surely there is something that I can charge them with. Any ideas? 3. Refusal to investigate inquiry - willful noncompliance - 1 violation of FCRA. Let me know what you think, please! Lisa
I definitely think you need to sue them. That is total b.s. Also, assuming you have copies of the dispute you sent where they investigated the wrong accts, they now must delete the ones you were actually disputing as it has been or will be more than 30 days. The fact that they disputed the wrong accts is their problem.
LKH, that is a great point! It has been more than 30 days now! YOu are totally awesome! How do I get the positive, long standing accounts reinserted? They swear that this can't be done. Hmmmm, assuming that CSC doesn't lie, and that is a HUGE assumption, how were they able to reinsert the two HFC accounts? Just thinking.... What, if anything, did they violate by disputing the wrong accounts?
