Hi, My husband has been on the phone w/ equifax for about the last 1 1/2 hours...to make a long story short they have been really rude and uncooperative, Equifax keeps telling him he has to contact a company called CSC and they tell him he needs to talk to equifax. He is trying to get some things that he disputed back in Oct of 1999, on November 3, 1999 he received a letter from Equifax that they had investigated and that the items had been deleted from his credit file. Anyhow, he just ran a CR and lone behold the things are still there! This is a full 2+ years since he was written a letter from Equifax stating that they were deleted. Now they are telling him that he has to go through the entire dispute process again (even though he has a letter from Equifax that states that they have been removed)...isn't it possible for them to just see the letter they sent....if we have to dispute again it will be time consuming....there are about 10 items, isn't it illegal to say you'll take something off and then leave it on? Any advice would be appreciated! fjh
CRA's need to notify you within 5 days of re-inserting an item on your credit report. You could ask them to delete because they never did, however they'll probably just say we did send it. Don't know of anyone who has used this successfully in court. If you have 3-way calling, call both Equifax and CSC and then EQ has no where to hide.
I went through this very same thing with EQ yesteday. They kept sending me from CSC to EQ back and forth. Finally, EQ told me to mail in disputes. They took the punk way out but the rep. was very nice. Said that the computer wouldn't let it dispute the items because the system hadn't updated after the wrong address was taken off. oh well.....
Thanks so much for the info...it's just so frustrating because it should have been taken off a long time ago...okay...I'm whining...sorry....is it going to be possible for him to use the letter sent from EQ that says the items are deleted or do we have to do the whole dispute process over again? fjh
IF EQ sent your husband the letter stating they would delete, they should still have it on file. What did they say to your husband when he was on the phone? Did he question the CRA about that letter? What did they say? Did he advise them they violated the FCRA by no notifiing him within 5 days of re-inerting this item?
Basically what is on there is a Citibank credit card that was mine and all of my student loans....back in 1999 was when he originally disputed these items...they were reported directly from Sallie Mae, the college I went to (a loan directly from the school) and Citibank...now that I think of it my college loan directly from my school was deleted from his file but not the Citibank and Sallie Mae (7 times). EQ says that they can't "delete" with info received from a credit file...my point is that this isn't a "credit file" that he has, it is the letter that they send with the results of the investigation (it said that it included an updated copy of the credit report but I don't know if he received it because I didn't ever see it or remember it coming with one). Anyhow, I thought that it is a violation of the law if they find something not to be true and don't remove it. They just keep on giving him the run around, they even said that they don't have this letter or information pertaining to the letter and that he can't file a dispute because there is one open concerning these accounts....this would be strange since he hasn't filed a dispute since 1999. fjh
