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CRA Refuses To Delete...

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xthatgamerguyx
Regular Contributor

CRA Refuses To Delete...

So I paid some medical collections via PFD and have letters from the CA indicating that the trade lines are to be removed.

 

No problem with EX and TU.

 

However, with EQ, they have only updated the status to PIF even though I have sent them copies of the letters saying the accounts are to be removed. The CA has even contacted them on my behalf via phone and in writing but EQ refuses to delete.

 

What now?

February 2012: 480 across the board (before I found this site and started working on my scores)
-------------------------------------------------------------------------------
Starting Scores: TU FAKO: 543 (06/16/2012) EX FAKO: 547 (06/16/2012) EQ FAKO: 528 (06/16/2012)
Current Scores:TU FICO: 639 (11/20/2012) EQ FICO: 617 (11/20/2012)
TU FAKO: 606 (8/30/2012) EX FAKO: 574 (09/04/2012) EQ FAKO: 564 (09/30/2012)
Message 1 of 8
7 REPLIES 7
jcstarkey8826
Established Contributor

Re: CRA Refuses To Delete...

File a dispute with them. If that doesnt work, try the FTC/BBB route. If that doesnt work, you might have to get legal on them!

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 2 of 8
xthatgamerguyx
Regular Contributor

Re: CRA Refuses To Delete...

Thanks for the info,

 

Yeah, a dispute comes back as verified as "paid in full" - even with me sending them copies of the agreement with the CA.

 

Legal sounds like the way to go...

February 2012: 480 across the board (before I found this site and started working on my scores)
-------------------------------------------------------------------------------
Starting Scores: TU FAKO: 543 (06/16/2012) EX FAKO: 547 (06/16/2012) EQ FAKO: 528 (06/16/2012)
Current Scores:TU FICO: 639 (11/20/2012) EQ FICO: 617 (11/20/2012)
TU FAKO: 606 (8/30/2012) EX FAKO: 574 (09/04/2012) EQ FAKO: 564 (09/30/2012)
Message 3 of 8
DrJim
Frequent Contributor

Re: CRA Refuses To Delete...

The CRB's only report what the CA tells them.  Your agreement is with the CA, not the CRB.  As a matter of fact, it is probably contrary to the agreement the CA has with the CRB.

 

If the CA removes it you should be fine.  That is where I would focus my attention.



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 4 of 8
xthatgamerguyx
Regular Contributor

Re: CRA Refuses To Delete...


@DrJim wrote:

The CRB's only report what the CA tells them.  Your agreement is with the CA, not the CRB.  As a matter of fact, it is probably contrary to the agreement the CA has with the CRB.

 

If the CA removes it you should be fine.  That is where I would focus my attention.


I understand who the agreement is with.

 

As I mentioned the CA has even conferenced Equifax in on the line with me and asked for deletion but it never happens. The CA has also sent a written request for removal.

February 2012: 480 across the board (before I found this site and started working on my scores)
-------------------------------------------------------------------------------
Starting Scores: TU FAKO: 543 (06/16/2012) EX FAKO: 547 (06/16/2012) EQ FAKO: 528 (06/16/2012)
Current Scores:TU FICO: 639 (11/20/2012) EQ FICO: 617 (11/20/2012)
TU FAKO: 606 (8/30/2012) EX FAKO: 574 (09/04/2012) EQ FAKO: 564 (09/30/2012)
Message 5 of 8
jcstarkey8826
Established Contributor

Re: CRA Refuses To Delete...

Equifax can't verify that the person on the phone is who they say they are, and they cant verify the documents they receive are legitimate. You have to understand, there are a lot of fraud issues with CRAs, and while it may be difficult, these are just the steps they have to take.

 

Your issue is still with the CA. You need to have them update whatever method they are using to communicate with EQ. Probably electronic records. e-oscar type system. If they refuse to correct the issue, you might have to take it to the next level.

 

Good luck though! Smiley Happy

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 6 of 8
RobertEG
Legendary Contributor

Re: CRA Refuses To Delete...

I see no basis for a dispute, or for getting the CRA involved.  The issue is not one of inaccuracy of their prior reporting, it is one of deletion of accurate information.  That is not basis for a dispute.   They are, in my opinion, acting properly.

 

Only the furnisher of the reported information is permitted to delete their own reporting.  It is the responsibility of the debt collector to simply report deletion to the CRA.  It is not the duty of the CRA to get into the middle of private promises.

By disputing, you presumably provided the CRA with documents in which the debt collector promised to delete on the basis of payment of the debt.

The firm written policy of the CRAs is that deletion based on payment of the debt is improper.  You are, in fact, acting them to intervene in enforcing a deletion that is directly contrary to their policy.

 

Just get the debt collector to make a normal reporting of deletion.

 

Message 7 of 8
xthatgamerguyx
Regular Contributor

Re: CRA Refuses To Delete...

I agree.  I intially limited my conversation to the CA, but it was EQ who suggested I send a copy of the written agreement to them. They also suggested that I re-file my dispute with them again but I think it might seem frivolous at this point. 

 

Our agreement states to contact the CRAs if deletion does not occur within 30-45 days. I was only doing what I thought was the right thing. 

February 2012: 480 across the board (before I found this site and started working on my scores)
-------------------------------------------------------------------------------
Starting Scores: TU FAKO: 543 (06/16/2012) EX FAKO: 547 (06/16/2012) EQ FAKO: 528 (06/16/2012)
Current Scores:TU FICO: 639 (11/20/2012) EQ FICO: 617 (11/20/2012)
TU FAKO: 606 (8/30/2012) EX FAKO: 574 (09/04/2012) EQ FAKO: 564 (09/30/2012)
Message 8 of 8
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