Account name unknown

[brindle26]

This is on an EFX report. After account name unknown is a code 701yc00000* or some variation. There are several on my wifes report and one of them is tagged as disputed, how strange. Should I write EFX and  ask them to provide a number, address and contact phone number of the furnisher or delete? Should I "dispute" these entries as inaccurate or incomplete? I'm trying to get a mortgage and need her scores (595) up about 25 points. I don't want to make things worse.

[starry1]

When they code accounts like that, its almost always a medical collection.  

[guiness56]

Do not dispute.  Most mortgage lenders do not allow disputed accounts on your CR.

Where did you get the report, direct from EQ or from a 3rd party? 

It is possible they are medical collections as they are coded sometimes to prevent HIPAA violations. 

[brindle26]

They showed up when Wells Fargo pulled our report for a mortgage application and they are on the report I got from Scorewatch. One as I said is listed as disputed.

So should I just write EXF for name address phone number etc.? They are medical collections, duplicates I think.

[guiness56]

You can call them which might be easier.  Also ask for the dispute to be removed.

[brindle26]

Have you made this kind of call before with any success? If so do you have a phone number that will connect to someone that can resolve this for me?

[rckstrscott]

Equifax office in GA: 800-685-1111
Equifax Dispute Fax #:  888-826-0573, 888-826-0549, 888-729-0083
Equifax Business:  802-304-0364
Equifax: 800-797-6801
Equifax: 800-203-7843

[brindle26]

Thank you.