08-18-2007 03:57 PM - edited 08-18-2007 04:10 PM
08-18-2007 04:12 PM
I sent a dispute into Equifax regarding a charge off account with Orchard/HSBC from 2003. I received a letter from HSBC today:
We have received your recent request regarding your Account issued by HSBC Bank Nevada, N.A.
This letter is in response to your credit bureau dispute. In order to process your dispute, the following information is needed:
The full name on your Account
The Account number (full or partial)
Your Social Security number
Your current address
A detailed explanation of your request
A copy of the page(s) from your credit report indicating the Account referenced in your request.
Upon receipt of this information we will process your request. Please mail to blah, blah, blah or fax to expedite.
If you have any questions, please call 503-686-2299 and leave a detailed message, etc.
I AM NOT GOING TO SEND THEM ANYTHING. Their letter is dated August 12, 2007 and my dispute was dated 7/24/07 with Equifax over the phone. This is reporting twice on my credit report OC and CA. CA Chargedoff but that was a collection. So I disputed as a duplicate. Equifax sent a credit report stating the account remains, but it is still listed as in dispute, but obviously HSBC cannot verify and this should be deleted. Right??? Is Equifax playing with me in hopes of verifying?
If they cannot verify the account, how should I proceed? Should I redispute.
You could dispute it online they dont usually req id then. if you need a free report to dispute and havent gotten one yet go to www.annualcreditreport.com. use the link to your bureau and dispute online. You will have verified your identity then.If your copy of your report is current go here: http://www.equifax.com/online-credit-dispute/ and initiate an online dispute. They do at times request verification of identity for telephone and always for mail disputes.
08-18-2007 04:44 PM
08-18-2007 05:22 PM
08-19-2007 09:07 AM
08-19-2007 09:08 AM
08-19-2007 02:06 PM
08-19-2007 03:52 PM
08-20-2007 07:11 AM - edited 08-20-2007 07:14 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.