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Regular Contributor
ABattle
Posts: 207
Registered: ‎10-26-2007
0

Equifax Dispute

I did a dispute w/Equifax online & I received an email advising they needed a copy of my drivers license, social secruity card/w-2 form & a utility bill in order to process my request w/24 hours.  Is this normal for when you do one online.  This is the first time Ive ever received an email from them advising the need for this info when it's done online.  Just a little skeptical is all.

Frequent Contributor
BrandonSS
Posts: 342
Registered: ‎08-31-2010
0

Re: Equifax Dispute

I've done a few and have never needed to submit that information or id items.

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GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
Moderator Emeritus
beamMEup
Posts: 4,470
Registered: ‎12-31-2008
0

Re: Equifax Dispute

[ Edited ]

BrandonSS wrote:

I've done a few and have never needed to submit that information or id items.


+1

I've never needed to provide that info online or hard copy.

Maybe give them a call and see what's up.  It would be nice to know if EQ is having trouble with your ID, or if someone's trying to garner your info.

Just puttin' syrup on something, don't make it pancakes.
New Member
CURVES2166
Posts: 8
Registered: ‎07-30-2010
0

Re: Equifax Dispute

Yes Equifax will ask for this items if they can verify your identity.

Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009
0

Re: Equifax Dispute

yes, they did this to me also - but for a valid reason - I had a different address showing on my cr -- I had to update my drivers license - i think they want two forms of id and one must be a photo.


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Current Score: 687 EQ - 705 TU on 7/18/10
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Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
0

Re: Equifax Dispute


ABattle wrote:

I did a dispute w/Equifax online & I received an email advising they needed a copy of my drivers license, social secruity card/w-2 form & a utility bill in order to process my request w/24 hours.  Is this normal for when you do one online.  This is the first time Ive ever received an email from them advising the need for this info when it's done online.  Just a little skeptical is all.


It can also depend on what you are disputing and whether there is a fraud alert on your CR or not.

IAALBNYL
Mega Contributor
RobertEG
Posts: 18,477
Registered: ‎03-19-2007
0

Re: Equifax Dispute

I think O6 may have hit on the reason for this request.

If your dispute in any way raised issues that the disputed information is not information relating to any transaction authorized you you, that raises their obligation to consider possible identity theft.

As such. they should request "appropriate  proof of the identity of the consumer."     FCRA 605B(a)(1).

 

If just a plain vanilla dispute, this is not necessary. But non-authorized reporting may requrie that you show proof of identity.


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