Reply
New Visitor
Posts: 1
Registered: ‎11-10-2007
0

How do I get Equifax to delete erronous information from my credit report?

Hello Everyone, This is my first time in this forum and I would like to know how to get Equifax to delete erronous information from my credit report?  I have tried several times, for them to delete an account that is not mine with several letters to them and to the debt collector, Equifax answers that the account belongs to me and the debt collector doesn't even answers me back.  But the debt continues to appear in Equifax.  Equifax also lists two names under my "other used names" column, names which I never used and have no relation with me at all.  I don't know what else to do.  Do you think a lawyer could help me get this settled once and for all?
New Contributor
Posts: 58
Registered: ‎06-03-2007
0

Re: How do I get Equifax to delete erronous information from my credit report?

I have had some success with Equifax by sending a copy of the signed green card from CRRM and a copy of the dv letter along with a letter saying that I have requested verification and the collection agency refused to verify.
Moderator Emeritus
Posts: 7,326
Registered: ‎06-18-2007
0

Re: How do I get Equifax to delete erronous information from my credit report?



lorelei wrote:
Hello Everyone, This is my first time in this forum and I would like to know how to get Equifax to delete erronous information from my credit report?  I have tried several times, for them to delete an account that is not mine with several letters to them and to the debt collector, Equifax answers that the account belongs to me and the debt collector doesn't even answers me back.  But the debt continues to appear in Equifax.  Equifax also lists two names under my "other used names" column, names which I never used and have no relation with me at all.  I don't know what else to do.  Do you think a lawyer could help me get this settled once and for all?


you need to send a DV to the CA    CMRRR................copy the letter,the crt # and the green card. Wait 30 days.... If They do not answer with the correct answers    ..try a simple dispute as  *NOT MINE*  it should drop!!!!      If it comes back verified........send a copy of DV letter,GC and CR# to the CRA. Tell the CRA that ( statue#) states that the CA must validat the debt withing 30 days.......the 30 days have past so they COULD NOT validate it and therfore can not legally verify it. Please delete!   IF thats till doesn't work MOV the CRA   CMRRR
 
You can also send the CA a ITS letter....give them 5 days to remove it from CR or you will notify the FTC and contact an attorney as they are in violation!
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.