topic Re: Equifax refuses to remove collection account in General Credit Topics

Equifax refuses to remove collection account

Anonymous — Fri, 05 Jan 2018 16:30:20 GMT

I have disputed 4 times a collection account verfied by the collection agency that doesnt belong to me. The collection agency even sent in a manual deletetion to equifax . equifax told me over the phone they never received it. Which they are lying bc Transunion and experian has since sent me letters saying the collection was deleted bc i wasnt the owner. What is equifaxes problem? I even faxed them the proof it wasnt my account.the collection agencies has verfied the account was paid and never reported to the account owners credit which is my wife and they have no clue how it even got on my report. This account is for 65$ its on my account open and never paid woth equifax. I dont understand why they wont do there job.

Re: Equifax refuses to remove collection account

Anonymous — Fri, 05 Jan 2018 16:31:15 GMT

How are you communicating/disputing with Equifax?

Phone? Web? Fax? USPS Mail?

Re: Equifax refuses to remove collection account

RobertEG — Sat, 06 Jan 2018 22:18:54 GMT

I would advise sending a formal complaint to the CFPB for lack of CRA compliance with their obligation to accurately maintain and update your credit file under FCRA 607(b).
"FCRA 607(b) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates."

You can also bring your own civil action against the CRA for violation of section 607(b).

Bottom line is to get the review and opinion of one who has authority to administratively or legally force compliance with their statutory obligation.

Re: Equifax refuses to remove collection account

Anonymous — Sun, 07 Jan 2018 01:19:29 GMT

I had this exact same problem. Turns out I had a split file, and the creditor was attempting to delete from the wrong file. Call EQ and see if you have a split file.

Re: Equifax refuses to remove collection account

Anonymous — Sun, 07 Jan 2018 04:18:21 GMT

Equifax is the worst run poorest customer service department of the three. They don’t even try to follow the rules.

Re: Equifax refuses to remove collection account

AllCredit — Mon, 08 Jan 2018 15:27:32 GMT

Way back when I had an issue with then reporting a credit card that I had (that was closed and paid with a $300 limit) as a foreclosure. Needless to say my young credit took a serious hit. I contact the credit card co multiple times who sent out requests for it to updated multiple times and also sent me copies. Still Equifax would not change it.

Finally I reported them to the FTC (included all my correspondence, etc...oh and this was before the days of CFPB) and 2 weeks letter my report was updated. Prior to that I was seriously considering a cameo on the nightly news by doing something outlandish.