I had an installment loan with 1st Union that was paid and closed in 1998. However my EQ shows 20 lates with 17 unknown dates. 1st Union merged with Wachovia Bank so my CR shows Wachovia as the creditor. EQ continues to verify after several attempts to delete payment history. My question is since I never had a loan with Wachovia are they required to validate upon my request or are they considered the OC and can stonewall me? Thx mark
TRY ASKING EQU FOR THE NAME ADDRESS, PH & FAX #'s OF THE PERSON(S) WHO'S VERIFYING THE LATES. YOU MAY OR MAY NOT GET IT. IF YOU DO...I'D CONTACT THAT PERSON AND GO THE VALIDATION ROUTE. PROVE TO ME I WAS LATE AND ON WHAT DATES OR REMOVE THE NOTATIONS. HOPEFULLY YOU HAVE SOME CANCELLED CHECKS OR RECEIPTS TO HELP YOUR CAUSE. IF EQU CAN/DOES NOT SUPPLY YOU WITH THE CONTACT INFO...TURN UP THE HEAT AND START GETTING PREPARED FOR A LONG BATTLE. I'M NOT AT LIBERTY TO QUOTE ANY VIOLATIONS FROM THE FCRA BUT I DO KNOW THAT 100% ACCURACY IS A MUST. STUDY UP ON IT AND THIS WEBSITE AND YOU'LL FIND MORE USEFUL HELP THAN MY POST. SOMEONE HAS TO BE ABLE TO PROVE YOU WERE LATE. HOPE I'VE BEEN OF ASSITANCE
