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I got a EquifaxScorewatchGold yesterday about a new collection account (which I have no idea why) and I am amazed and frustrated to see 3 different versions of it from Equifax (see below).
The alert shows the name/add of the company but the credit report(s) does not.
My question is, the REAL credit report from Equifax (version 2 below) did not come with the name and address of the Company. Why is it so ? If Equifax ALERT can show the address of the company, why on earth the REAL CREDIT REPORT does not have it ?
Can I request for a Validation based on the address mentioned in the ALERT even though it’s not present in the REAL EQUIFAX CREDIT REPORT ?
Version1 : EquifaxScorewatchGoldalert JEFFERSON CAPITAL LLC (XXXXXXXXXX)
Contact: JEFFERSON CAPITAL LLC, 16 McLeland Rd, Saint Cloud, MN, 56303
Version2: I pulled a Equifax credit report (one of the two FREE available) from the Scorewatch and it says
Descriptions [?]· Collection accountNo contact information provided by Equifax Balance [?] Current Status [?] Past Due Amount [?] $60 120+ days past due $60Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 0 times
Do you have SW from here or through EQ? It sounds as if though you might have it through EQ.
As for the actual report not showing any details, I have no clue why that is, if the report was directly from EQ. If the report was from myFICO, it could be because EQ has masked it due to the CA being known to report medical debts.
Yes, I would use the information from the alert to DV the CA.