topic Re: Disputing Equifax in General Credit Topics

Disputing Equifax

Anonymous — Tue, 26 Sep 2017 23:05:14 GMT

Has anyone been successful in reaching Equifax online? I've tried for days so I can file a dispute. Screen continually states Down for maintenance.

Re: Disputing Equifax

JimBo99 — Thu, 28 Sep 2017 22:00:17 GMT

Keep trying! I've been having the same issue. I was able to get my dispute in last week and it was resolved by Monday, but couldn't get the results to pull up until last night. I'm betting their site is seeing a huge increase in traffic since their whole mess has come into light and likely won't be back to normal anytime soon.

Re: Disputing Equifax

Sandman771 — Thu, 28 Sep 2017 22:05:36 GMT

Not directly pertaining to this thread but perhaps of interest, I work at an auto dealer. I have customers with subprime credit and I can't pull an EQ report for them. The only ones I've been able to get are the ones above 700. Not sure if it is a glitch in EQ or in our software we use. Just interesting observation.

Re: Disputing Equifax

Anonymous — Thu, 28 Sep 2017 22:09:36 GMT

I couldn't get my equifax report for nearly two weeks....finally 2 days ago it came back.

Re: Disputing Equifax

Anonymous — Thu, 28 Sep 2017 22:16:26 GMT

Last week I purchased the Equifax report from their site. Yesterday I went into it & brought up the items I wanted to dispute. This was the only way to get to that particular area. It still says down for maintenance. Now how long until a reply? Aggravating.

Re: Disputing Equifax

Anonymous — Thu, 28 Sep 2017 23:40:19 GMT

I never dispute online. Dispute in letter form, CMRRR. Gives them less time to respond, and you can explain your dispute better than using a form with multiple choice.

Re: Disputing Equifax

Anonymous — Thu, 28 Sep 2017 23:43:57 GMT

I have done both...I found that doing it online was much faster...letters can get lost in the mail or excuses like TU tried with me that they never recieved my letter even if they signed for it. doing it online for me has been fast and all 3 times they found in my favor.

Re: Disputing Equifax

Anonymous — Thu, 28 Sep 2017 23:46:43 GMT

I've been using CMRR disputes since the 90s and never once had any problems that couldn't be solved with an immediate ITS letter, which I have the teeth to back up and would have no issue pursuing.

I *have* seen people do online disputes that have gotten incorrect accounts stuck for the full 7 years because the dispute form doesn't let you explain every type of dispute and why the information is inaccurate and needs to be corrected.

"Faster" and "easier" is the last thing I want when it comes to fixing credit errors. A paper trail means a litigation trail for discovery to deal with if it comes to that. A paper trail also gives me more power with the CPFB if it comes to that.

Re: Disputing Equifax

Anonymous — Fri, 29 Sep 2017 00:16:21 GMT

I had intended on doing the paper trail but the issue I'm disputing is simple & straight forward. If it was something I was concerned about "restarting a clock" on I agree paper trail may be the better choice.

Re: Disputing Equifax

RobertEG — Fri, 29 Sep 2017 19:13:00 GMT

OR.......

if you really want to ensure that all of your supporting documentation AND any comments/arguments are received by the creditor or debt collector, you can use the direct dispute process as opposed to disputing via a CRA.

Direct disputes, by their nature, ensure that all documentation and arguments are received by the furnisher, and thus are not excluded by the CRA when referring to the furnisher.

Paper disutes enable the consumer to include all arguments and supporting documentation, but do not ensure that the CRA will refer all of that info to the furnisher via their e-Oscar automated referral system.

On-line disputes provide limted ability to include documentation and arguments, and thus are a form of self-sanitation of your dispute content.

I would not recommend on-line disputes unless documentation will not be a likely issue.