Byteme For information on how your dispute was verified, please refer to the Notice: Dispute Review Process and Your Rights section of the credit file. If you no longer have a current copy of your file, the Notice reads as follows: Upon receipt of your dispute, we first review and consider the relevant information you have submitted regarding the nature of your dispute. If that review does not resolve your dispute and further investigation is required, notification of your dispute including relevant, information you submitted is provided to the source that furnished the disputed information. The source reviews the information provided, conducts an investigation with respect to the disputed information and reports the results back to us. The credit reporting company then makes deletions of changed to your credit file as appropriate based on the results of the reinvestigation. The name and address and, if reasonably available, the telephone number numbers of the furnisher(s) of information contacted while processing your dispute(s) is shown under the Results of Your Investigation section on the cover letter that accompanies the copy of your revised credit file. If you still disagree with an item after it has been verified, you may send to us a brief statement not to exceed 100 words (200 words for Maine residents) explaining the nature of your disagreement. Your statement will become part of your credit file and will be disclosed each time your credit file is accessed. If the reinvestigation results in a change to or deletion of the information you are concerned about, or you submit a statement in accordance with the proceeding paragraph you have the right to request that we send your revised credit file to any company that received your credit file in the past 6 month for any purpose (12 months California, Colorado, Maryland, New Jersey and New York Residents) or in the past two years for employment purposes. VBanks Equifax Consumer Relations Specialist Office of Consumer Affairs Equifax Information Services LLC SO, what's next??? They didn't send me squat!
Respond with something like this. More then just requesting the standard procedures they use for validation, this asks for information specific to your investigation. This is the step where I got most of my deletions. It is such a pain in the ass for them to have to actually have to use the telephone to verify, they will just delete. Mind you I was disputing paid medicals so i am not sure if this will work for a large debt. About 3 days after the date on the CMRRR's these TL's would vanish. There were a couple stubborn ones near the end, but now all 3 reports are clean, clean, clean.
Didn't I read a very crafty reply posted on this board a week or two ago that basically said the CRA was in violation or did not reinvestigate or something along those lines regarding the statement you can insert into your credit file. I have searched the board but I sure can not find it. However, if someone remembers this and would post it, I thnk it took care of the problem.
Re: Re: Validation E-mail response from EQ Guess I'm a DumbA$$, can't seem to find the letter JLynn wrote. Can someone help me find it??
Re: Re: Validation E-mail response from EQ I do remember that! But I don't remember who posted it. They just said that for the statement to be inserted in their credit file, they stated something like "Equifax has refused to reinvestigate this erroneous account." Something to that effect, and rather than Equifax (or whichever one it was) placing the statement on the TL, they just deleted it. Now, THAT was a great idea! Thanks for bringing it up again TallSmith! NuB
Re: Re: Validation E-mail response from EQ Happy Ho Ho Day Everyone!!!! Here's the statement, tailor it as necessary. http://consumers.creditnet.com/stra...hreadid=54578&highlight=afraid+AND+to+AND+sue
Re: Re: Validation E-mail response from EQ But the real credit goes to Doc, this was talked about almost 2 years ago, (before my time!), but I had never had a need for it: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=171269#post171269
Re: Re: Re: Validation E-mail response from EQ Thanks JLynn & Doc!!! Here is my reply sent off to EQ's Vicki Banks....now we shall see what happens... Ms. Banks Please add the following statement to my consumer account in reference to Direct Merchants Bank account # **********; "Equifax freely admits violating Federal law by allowing this erroneous notation to remain on my report. Furthermore, Equifax admits civil liability in this case and will remit $1000 per FCRA violation to this consumer upon demand unless this trade line is removed within 60 days." I believe this is much less than 100 words. Thank You, BYTEME
Re: Re: Re: Validation E-mail response from EQ Keep us posted. Guys and Gals - If anyone else wants to attempt this technique, please be sure and get creative. Somehow I think this will have a time limit on its effectiveness, so keep them off balance on the statements! If we all use the same statement, they will figure out sooner that this might be a "technique"
Re: Re: Re: Re: Validation E-mail response from EQ UPDATE! Byteme - We cannot add your consumer statement as written as it is defaming and admits liability. Please re-submit your consumer statement explaining your version of the events regarding the Direct Merchants Bank account # xxxxxxxxxxxxxx. VBanks Equifax Consumer Relations Specialist Office of Consumer Affairs Equifax Information Services LLC Then I received an e-mail from someone else, showing that the account has been updated to IIB. Which is what I wanted in the first place, but was HOPING for a complete deletion. So, I guess I'm happy with it for now. Byteme
Re: Re: Re: Re: Validation E-mail response from EQ It looks like you got the attention of a real person.
Re: Re: Re: Re: Validation E-mail response from EQ I wasn't able to pare my comments to Equifax down to under 263 words, so I am making use of this as an addition to my (well, according to the lawyer for the company who committed fraud - as of october it was the fourth) sixth validation letter, directly to consumer affairs. I am sick and tired of their games, and the games of the company; I just need to figure out how to come up with the $115 filing fees for the FDCPA case against the company and their lawyers.
Ok Update! They have changed the status on this back to charge off. I'm so pissed, my already rotton score went down 5 points. What's my next step here?? Anyone??
You never gave us details... Despite the fact that I have convinced my children otherwise, I am not a mind reader...
