Well - as I've posted many times before. I had a mistake (120 days late) on my EQ credit file. My credit file split. It was fixed on one but not other. My files re-merged, so did the issue. I submitted another disputer letter (number #2) last week.
HOWEVER, I got a surprise in the mail yesterday from Equifax. Saying they:
-received a copy of the complaint I filed with the FTC (I submitted it 40 days ago and forgot about it);
-apologized for any inconvenience; and
-promised to research the matter expeditously.
Now, is any of this true? Will the FTC letter help support my second dispute letter I sent (or possibly hurt it)? Does the FTC really carry any weight? It seemed to me initially they are very passive and have limited authority unless you involve a lawyer? Were my assumptions right or am I very wrong and the FTC really is a body that the CRAs take seriously and abide by?
