My husband has a $110 collection on his EQ report that neither TU or EXP report. The info listed is shown below. I plan to write a letter to EQ, but was curious if there is anything else I can do. We don't believe this is ours and would really like to have it removed.
If it is a medical collection should I proceed differently? I remember when we closed on our house last year our loan officer made mention of something medical related, but said it was minor and wouldn't impact our rate. I bet that's what it is, thanks maple.
So now what do I do? My husband is 95% certain this isn't his. He and his father are often confused because they both have the same first name. It could be his or neither of theirs. Regardless, I'd like to find out the details and see about having it removed.
EQ is the only report that this collection was listed on and it just so happens it's also the only report that confused his father with him (working on correcting.) TU and EXP have his personal information correct, minus a few spelling errors. That leads me to believe that it may be his dads, but with it being medical is there anyway to verify that?
Is this a reseller report (like TrueCredit)? If it is, I recommend you get a report directly from EQ, as it should reveal all applicable information (including medical provider), which might make it easier to determine if it is yours, or your FIL's.