topic Re: Equifax Contact PLEASE! in General Credit Topics

Equifax Contact PLEASE!

Neblett — Wed, 27 Jun 2007 16:58:13 GMT

I need to contact a live person at Equifax. I live in a CSC state, but even though CSC has all my information correct, Equifax keeps reporting it wrong on my reports, which is affecting my scores badly. CSC and the original creditors cannot do anything, because as far as their records are concerned their information is correct and has been reported to Equifax.

When I call the numbers I have for Equifax, I can never get through to a live person without an EQ report number, which I don't have because of the fact that I'm in CSC territory. But this is getting ridiculous!

Any help?

Re: Equifax Contact PLEASE!

Tuscani — Wed, 27 Jun 2007 20:38:14 GMT

EQ will not help you. You must deal with CSC. Try one of these:

866-264-4878

281-878-1900

281-878-4848

800-305-7868

Re: Equifax Contact PLEASE!

Neblett — Wed, 27 Jun 2007 20:49:45 GMT

I have already taken care of this with CSC. My CSC records are 100% accurate - I have double and triple-checked this. And they have updated all my records their database, which they say is shared with Equifax.

My problem is that when I pull Equifax info from TrueCredit or MyFICO, there are two or three tradelines that are incorrect. And when creditors pull my info, they will be pulling from EQ, not CSC. So I am just trying to find out why EQ does not have the same info as CSC, and if there is a time lag in reporting, how long must I wait for the two sets of records to line up.

Re: Equifax Contact PLEASE!

Tuscani — Wed, 27 Jun 2007 22:42:52 GMT

Neblett wrote:

I have already taken care of this with CSC. My CSC records are 100% accurate - I have double and triple-checked this. And they have updated all my records their database, which they say is shared with Equifax.

My problem is that when I pull Equifax info from TrueCredit or MyFICO, there are two or three tradelines that are incorrect. And when creditors pull my info, they will be pulling from EQ, not CSC. So I am just trying to find out why EQ does not have the same info as CSC, and if there is a time lag in reporting, how long must I wait for the two sets of records to line up.

CSC is an affiliate of EQ so the reports should be the same (regardless if you are using MyFICO, TC or EQ).

Re: Equifax Contact PLEASE!

Neblett — Wed, 27 Jun 2007 23:00:23 GMT

Hence my problem.

I have my CSC reports and they are NOT the same as what is reporting with EQ through the various other outlets. The CSC reports are the ones I have had cleaned up. MOST of what I corrected with CSC is reporting correctly with EQ, but not all. So, I'd like to get to the bottom of this. This is really worrying me, because when I go to a car dealership, they are not pulling from CSC, but from EQ, and they're not going to care what my CSC report says if it's not reflected correctly on the EQ side.

The people who are reporting incorrectly are EQ, not CSC. This is why I'd like to talk to someone at EQ.

Re: Equifax Contact PLEASE!

Tuscani — Wed, 27 Jun 2007 23:03:54 GMT

Weird. Try:

1-866-264-4878

Re: Equifax Contact PLEASE!

Neblett — Wed, 27 Jun 2007 23:08:06 GMT

That number is for CSC.

I have a personal account contact - via email - at CSC.

Talking to CSC does not help me, because CSC tells me that my accounts are correct. I have several reports that confirms that this is true.

The issue is with Equifax. I know you want me to talk to CSC. I have done that.

I have talked to CSC.

I have talked to CSC.

I have talked to CSC.

It is resolved with them.

What is to be gained with talking to them?

Re: Equifax Contact PLEASE!

Anonymous — Wed, 27 Jun 2007 23:09:36 GMT

http://fico.lithium.com/fico/board/message?board.id=generalcredit&message.id=5589#M5589

Re: Equifax Contact PLEASE!

Neblett — Wed, 27 Jun 2007 23:15:27 GMT

AAARGH!!!

No more contact info for CSC!

I have it!

I have used it!

I have a very specific issue with Equifax, and need to talk to someone THERE!

Let's just end this thread before I get really frustrated by repeating myself.

These responses are not addressing my original question or helping.

I'll just forget this problem and fight bigger battles.

Message Edited by Neblett on 06-27-2007 06:15 PM

Re: Equifax Contact PLEASE!

Anonymous — Wed, 27 Jun 2007 23:27:56 GMT

You can try the number for EQ on your reports, but in a CSC state I don't believe they are going to talk with you--at all.

I have yet to hear of anyone in a CSC state who got thru to EQ and disputed with them directly.

Re: Equifax Contact PLEASE!

Neblett — Wed, 27 Jun 2007 23:36:09 GMT

Noah and Tuscani,

Do either of you understand my problem?

Or am I just out of luck?

Re: Equifax Contact PLEASE!

Anonymous — Wed, 27 Jun 2007 23:42:20 GMT

Neblett wrote:
Do either of you understand my problem?

Have you pulled from annualcreditreport.com in the last 12 months? If not, then pull all 3 CRAs from there. I'm not certain whether you'll get an EQ report or a CSC report. But it's free and I'd give it a try.

Or try here. You should be able to dispute with EQ online here without a confirmation number. I know it works from a non-CSC state. Give it a try. I think you're going to get a written response this way. No option to get an electronic delivery.

https://www.ai.equifax.com/CreditInvestigation/jsp/email.jsp

Re: Equifax Contact PLEASE!

Neblett — Wed, 27 Jun 2007 23:50:17 GMT

Yes, I pulled from annualcrediteport.com 3 months ago.

That's how I got my first CSC report, with errors.

I corrected all of these errors with CSC.

My CSC report is correct.

BUT when I look at TrueCredit or MyFICO ScoreWatch, there are still one or two errors that are reporting, even though they have been correct on my CSC file for over a month.

CSC can't correct something that is already corrected in their files.

However, Equifax still reports these items wrong.

Re: Equifax Contact PLEASE!

Anonymous — Wed, 27 Jun 2007 23:52:08 GMT

Have you tried the link in post #12 above?

Re: Equifax Contact PLEASE!

Neblett — Wed, 27 Jun 2007 23:57:34 GMT

I just did. Thanks.

I'll let you know if it works.

Re: Equifax Contact PLEASE!

Tuscani — Thu, 28 Jun 2007 13:07:27 GMT

Neblett wrote:
I just did. Thanks.

I'll let you know if it works.

I am guessing EQ is just going to route you to CSC anyway even if you use that link. Keep us updated.

Re: Equifax Contact PLEASE!

Neblett — Thu, 28 Jun 2007 13:56:40 GMT

I apologize for being irrascible with this thread, but it's just been so frustrating trying to deal with this on my own, and CSC has actually been VERY helpful, once I got a support manager to personally attend to my problems - of course my threats to sic the FTC and Attorney General on them for not adhering to the FCRA didn't hurt.

But this one issue is screwing up so much - basically the main problem is a student loan (3 separate tradelines from the same company) that is erroneously reporting a 60-Day Late status as of April. The student loan company saw their error and corrected it immediately; CSC corrected it over a month ago. It's just when I log on to FICO ScoreWatch or TrueCredit, these items still appear with a 60-Day Late flag, and it's actually one of the only late items in the past 6 months, so it's hurting my scores and rating unnecessarily. And right now, I'm on the cusp of having a major score improvement (FICO went from 420 in April to 668 now - almost 250 points!), so I need every little bit of help I can get.

And trying to solve this on my own has been a regular Catch-22.

Hopefully, this will resolve itself soon, especially now that the loans should report as Paid in Full with my loan consolidation, but I just want to make sure the 60-Day Late goes away before the consolidation hits - I've heard horror stories of trying to get info changed after the loan account closes, so I'm trying to avoid that.

Re: Equifax Contact PLEASE!

Anonymous — Thu, 28 Jun 2007 15:03:05 GMT

Regular Contributor
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"I have already taken care of this with CSC. My CSC records are 100% accurate - I have double and triple-checked this. And they have updated all my records their database, which they say is shared with Equifax.

From what I understand about eq and csc they are one and the same company. CSC justs deals with some states while Eq deals with the rest. When I spoke with a manager from CSC she stated that they share the same database so your info should be same on both reports. Furthermore, if you live in a CSC state potential lenders would pull a csc report, not an eq report. At least that is what the manager told me. Good luck

Re: Equifax Contact PLEASE!

Anonymous — Thu, 28 Jun 2007 17:39:05 GMT

Neblett wrote:
I apologize for being irrascible with this thread, but it's just been so frustrating trying to deal with this on my own

No worries. I couldn't get thru to a human at EX today. Stuck in automation phone lady Gehenna.

Re: Equifax Contact PLEASE!

Neblett — Thu, 28 Jun 2007 19:55:08 GMT

Just found out EQ's records are right - was finally able to talk to someone from EQ. Long story.

So, the issue is with TrueCredit's reporting of the data from EQ.

How do I deal with this one, oh FICO gurus?