I faxed an intent to file complaints w/ FTC, and AG on Friday (because CSC didn't do my disputes from 12/13) to Ms. Jezek, the complaint manager at CSC. When I logged on this afternoon, I had 9 new alerts on my privista credit watch. THEY DELETED 9 OF MY 10 GOOD ACCOUNTS! Of course you know, this means WAR? Anyone else have this problem? Here's the email I sent to an exec there (you'll like this): Ms. Blah, I wanted to thank you for having someone call me from CSC. A lady called me and was very helpful. I appreciate it very much. However, when I logged on to my Privista.com account today (a monitoring service which helps consumers monitor their Equifax credit report), I was appalled by what I found. I had 9 alerts (which means that 9 things had changed with my Equifax credit report, today). Sure enough, 9 POSITIVE trade lines were deleted today (and no, none of these had reached the 10 year mark yet). Now, I don't suppose this was because I complained was it? No, of course not. Is this how CSC/Equifax treats people when they complain? Yes, I realize that CSC handles my report. But the fact is that CSC and Equifax are still pretty much one in the same. I spoke to Ms. J. today, who said she would help me with it, but knew nothing about it......I just wonder. I'm sure before this is all over, everyone that I speak to will have no knowledge of how this happened, or who did it. But if it is TRUE that no one at Equifax knows how this happened, then that means that you all at Equifax have one of three problems: 1. Ms. J. is the one who deleted them and is lying to me, which means you don't have control over what your "affiliate" is doing, which could cause serious legal problems for Equifax in the future. Surely you know that at some point in time, there WILL be someone else like me that comes along that won't put up with this kind of nonsense either. 2. The lady that called me from CSC didn't like the fact that I "sicked" corporate on them, and so just decided to play a get back game by deleting 9 positive trade lines from my report. This also means that you don't have control over what your affiliate is doing. OR: 3. Someone that receives faxed disputes at CSC, is seeing that I've got too much correspondence coming in lately, therefore I must be one of those "people" trying to "repair" their credit. "So let's show him by removing 90% of his credit history." This, once again, would mean that you don't have control over what your affiliate is doing. As you sit there and read this email thinking "I wish this man would go away", just put yourself in my shoes. Would you like it if this happened to you? Lets say tomorrow you leave Equifax to go work somewhere else. Suddenly, you notice after 8 years there is a horrific amount of erroneous items on your Equifax report. So you dispute them, and the company doesn't quite handle things the way they're supposed to. Bob and all your other work buddies are gone, and you have no more "insiders" to help you. Then you complain. Don't you think they're going to do the same things to you that they've done to me? I will tell you this: whoever did it, is a person that knows what they are doing. Do you know how I know this? Because whoever deleted them knew that they were old trade lines that had not been updated in a while, and would not be updated again. This person knew that the companies would not come back to see if they were being reported correctly because of their age and the fact that they were positive trade lines). They also knew to leave my one and only good recent trade line alone, because NW Bank is a current customer and they will be updating soon. So they knew they couldn't mess with that one. But one thing this person didn't know: I'm NOT your average consumer, I'm NOT stupid, and I WILL NOT stand for this! Well, now that I'm complaining more, what kind of punishment will I receive from CSC/Equifax now? Let me see if I can guess......... 1. My one and only positive tradeline will now be changed to "Please contact NW Bank for information" which will hurt my credit rating very badly. There's a common one I've seen ya'll can use to hurt me. 2. I will be blocked out, as will any creditors, from gaining access to my information. This is the most common one that I've heard from other people. Especially those who have filed suit on either CSC or Equifax. They just get blocked out in retaliation. Is this what's going to happen to me now?
1) the "ya'll" doesn't sound right. 2) Neither does the "from what I have heard other people say" The letter has, "beat me up and don't take me serious" written all over it!
Re: This Means War!!!!!!!!!!!!!!!!! yes, I love the letter. I also think that the y'alls actually make it look better... just my .02, feel free to disagree
Is the purpose of the letter to bait them into a trap? Perhaps they will underestimate you as emotional and neurotic--you then sucker punch them with a lawsuit for the tort of retaliation? Did your score drop as a result of these suspiciously timed deletions? If so, go out and get denied for a loan so that you have some documented damages.
My concern is that it is too "chatty" and may be seen as the work of an amateur who possesses just enough information to be dangerous to him/herself (ie. most of us My advice is to write like a lawyer would. Clear, concise, to the point, no time for chit chat - get the job done and get out (of the correspondence). Sometimes it is what you DON'T say that will speak volumes. Leave them guessing (and squirming) over how serious you are and how far you will go. In this letter the spirit and substance are there but the style is somewhat weak. That said, I hope you prove me wrong and kick butt with it!