topic What should I do about Equifax... in Rebuilding Your Credit

What should I do about Equifax...

mocha82 — Thu, 04 Aug 2011 23:24:28 GMT

I disputed two First Premier accounts w/ Equifax on 06/29 and I never received notification that the investigation was completed. I kept receiving notifications that the dispute was still pending and as of today, the dispute is still showing pending. I called Equifax today and requested for the items to be removed because there wasn't any notification within the 30 day time period. The representative told me that the dispute was completed on 07/18 with no changes. They said that they sent notification to me via email. I let them know that I never received that email and that all I got was the pending responses and that it is still showing pending. They said that it must be a technical glitch and that the accounts won't be removed. Do I have a leg to stand on in order to get these items removed? I have screen shots of the pending disputes. Please help. It would be great if I can get these negative marks removed.

Confirmation # Status Dispute Date Completion Date Results

1182004412	PENDING	07/01/2011	08/01/2011(Estimated)	-
1180047889	PENDING	06/29/2011	07/29/2011(Estimated)	-
1180047172	PENDING	06/29/2011	07/29/2011(Estimated)	-
1164030072	PENDING	06/13/2011	07/13/2011(Estimated)	-
1160042049	PENDING	06/09/2011	07/08/2011(Estimated)	-
1155001333	PENDING	06/04/2011	07/04/2011(Estimated)	-

Re: What should I do about Equifax...

LIGHTNIN — Fri, 05 Aug 2011 14:08:21 GMT

Sorry, but I think this would be a hard one to win.

Is FP reporting something incorrectly?

If yes, maybe try a direct dispute with First Premier.

See what others have to say, anyways here's a bump up the board. bump, bump, bump

Re: What should I do about Equifax...

Anonymous — Mon, 08 Aug 2011 05:46:03 GMT

I'm having simliar issues with Equifax. I have two concurrent investigations, which include PFD for medical collections for which I have signed letters from the CA indicating that they should be deleted. The investigation has passed the 30 day mark. Do I have a leg to stand on to have them honor the request to delete even though it's showing as still pending? Thanks!

Re: What should I do about Equifax...

LIGHTNIN — Mon, 08 Aug 2011 07:21:40 GMT

@Anonymous wrote:
I'm having simliar issues with Equifax. I have two concurrent investigations, which include PFD for medical collections for which I have signed letters from the CA indicating that they should be deleted. The investigation has passed the 30 day mark. Do I have a leg to stand on to have them honor the request to delete even though it's showing as still pending? Thanks!

Welcome to the forums,

It depends on which CR was used. If a CR was used from annualcreditreport.com, then it's up to 45days.

All other CR's used, the ones paid for are up to 30 days.

Re: What should I do about Equifax...

book1773 — Mon, 08 Aug 2011 07:23:36 GMT

Here is my view on this. The FCRA has strict laws regarding CRA and timeslines for disputes to

be completed. If your stats on there website is showing still pending and you have not received

anything by mail then I would send them a letter stating you will sue them in court if they do not

follow the law and the items in dispute must be deleted. It doesnt matter when they finished the

investigation its when they sent to you by mail or online the actual notification. If they fail to do

that then thats there mistake.

I would just keep hammering them regarding there failed response

of the 30 day time limit.

Re: What should I do about Equifax...

Booner72 — Mon, 08 Aug 2011 14:18:04 GMT

It is such total b.s. that we are allowed to dispute - but when we do it comes back and bites us on the AAAASSSSSSS. What good does a dispute comment even do in any situation?

Re: What should I do about Equifax...

lpayton — Mon, 08 Aug 2011 14:25:16 GMT

@Booner72 wrote:
It is such total b.s. that we are allowed to dispute - but when we do it comes back and bites us on the AAAASSSSSSS. What good does a dispute comment even do in any situation?

Agreed. And I want to know, when disputing through MyFico, what documents exactly are provided to the credit bureaus in order to "validate" the account by the collection agency? A spreadsheet with my name and address?

Re: What should I do about Equifax...

LIGHTNIN — Mon, 08 Aug 2011 15:37:39 GMT

@lpayton wrote:
@Booner72 wrote:
It is such total b.s. that we are allowed to dispute - but when we do it comes back and bites us on the AAAASSSSSSS. What good does a dispute comment even do in any situation?

Agreed. And I want to know, when disputing through MyFico, what documents exactly are provided to the credit bureaus in order to "validate" the account by the collection agency? A spreadsheet with my name and address?

The way I understand it is.......

When disputing something on your CR, you are actually disputing with the CRA's.(myfico has nothing to do with it).

Then the CRA contacts the CA, by the way of E Oscar to see if what is reporting,is it reporting correctly,if not then it's changed

You now want to know ...... what is E-Osar, it's the way CRA handle most disputes.

E-Ocsar statnds for Electronic - Online Solution for Complete and Accurate Reporting.....LOL accurate.

The CRA sends a ACDV(automated Consumer Dispute Verification,aka consumer dispute) to the CA by the way of E-Oscar.

After the CA investigation is completed a AUD (Automated Univercal Data)form is sent to the CRA.

A AUD form is a form to process out of cycle modifications and updates.From what I've read they use 2 or 3 digit codes.

Google or do a search here for more info about E-Oscar.

Re: What should I do about Equifax...

lpayton — Mon, 08 Aug 2011 22:25:01 GMT

How did you obtain that info? Are you a spy? ROTFL...Just kidding..but awesome information, thank you!

Re: What should I do about Equifax...

lpayton — Mon, 08 Aug 2011 22:25:42 GMT

I have no idea why my post above is inside quotes. Thats all.

Re: What should I do about Equifax...

Booner72 — Tue, 09 Aug 2011 00:21:44 GMT

@LIGHTNIN wrote:
@lpayton wrote:
@Booner72 wrote:
It is such total b.s. that we are allowed to dispute - but when we do it comes back and bites us on the AAAASSSSSSS. What good does a dispute comment even do in any situation?

Agreed. And I want to know, when disputing through MyFico, what documents exactly are provided to the credit bureaus in order to "validate" the account by the collection agency? A spreadsheet with my name and address?

The way I understand it is.......
When disputing something on your CR, you are actually disputing with the CRA's.(myfico has nothing to do with it).
Then the CRA contacts the CA, by the way of E Oscar to see if what is reporting,is it reporting correctly,if not then it's changed

You now want to know ...... what is E-Osar, it's the way CRA handle most disputes.
E-Ocsar statnds for Electronic - Online Solution for Complete and Accurate Reporting.....LOL accurate.

The CRA sends a ACDV(automated Consumer Dispute Verification,aka consumer dispute) to the CA by the way of E-Oscar.
After the CA investigation is completed a AUD (Automated Univercal Data)form is sent to the CRA.
A AUD form is a form to process out of cycle modifications and updates.From what I've read they use 2 or 3 digit codes.

Google or do a search here for more info about E-Oscar.

HOLY MOLY. You must have worked at a bank or credit card company or something. Or still do work there. That's some knowledge! I'm glad you're around here sharing what you know!

Re: What should I do about Equifax...

LIGHTNIN — Tue, 09 Aug 2011 11:56:55 GMT

No, I never worked at a bank or CCC. I just like to read alot.

I have some medical problems with my legs, so I have to spend many many hours with my legs raised.Very boring.

So I spend my time on the phone,watch tv mysteries like the who done it, I like to fiqure it out who really did it. LOL

Re: What should I do about Equifax...

lpayton — Tue, 09 Aug 2011 15:06:34 GMT

LOL...we all atleast you find a way to spend your time productively.

Re: What should I do about Equifax...

Anonymous — Tue, 09 Aug 2011 15:33:45 GMT

I just pulled my Equifax report here on myFICO.com and saw that all of the baddies I had disputed were deleted! Perhaps there is just an issue with their web-based system that doesn't update correctly. Irrespective, they're gone and I'm above 700+ on EQ!!! Thanks all!