Can't remove judgment: Equifax (Not mine)

[Anonymous]

So, I found a judgment that wasn't mine on my credit reports. After a huge hassle I found out the contact information from the agency, and I received a letter from them stating that it does not belong to me. I got it removed from all my credit reports. Fast forward to January, and now it appears only on my Equifax. No where else. Also, I am getting this shady phone call from this Indian man from a gym that this judgment is from. He is asking me for a lot of information including my address and social security number. I talked to someone on the phone for Equifax and mailed them my information again. Still no luck. I'm getting emails back from them stating that it is my debt. Of course, it is not. Does anyone know anyone that I can contact? I mailed the information to them a couple of weeks ago. Is there anyone at Equifax that I can call or email for help????

[Booner72]

Hi Triggermike -

First I'd like to address the strange gym caller.  Next time he calls you tell him to stop calling and if he calls again he is in violaction of federal law.  Don't tell him anything except you will report him to the BBB and sue him for 1000.00 if he calls again.

Second off, fax a copy of the docs that show the judgment is not yours with a copy of your driver's license and a bill with your current address to equifax - send this Certified Mail with a letter to remove it at once since they are also violating federal law.  Don't send "certifited mail return receipt" to the credit bureaus, just certified.

There's info here on this website about the federal laws (FDCPA, I used to know them by heart but that info has left the building). 

[Anonymous]

I will definitely do that. I had no idea.

So, I should fax and mail it certified?

I'll check out the info. Do you happen to know their fax number?

This is the number from the guy: edited

When you google it, you see that I'm not the only one.

Edited to remove direct contact info. - llecs, myFICO moderator

[3piecechickendinner]

Yes definitely tell the Indian guy to stop contacting you....I would even get an address from him and send him do not call letter(I believe thats the name of it)  Also go to the ftc and fill out an Identity Theft Report and also contact your local police station and file an identity theft report with them.  Then send all of that to the Credit Bureau and see what they say.  I had a similar situation but it was not showing up on my CR only with the court system.  Then i submitted a form to the court called "Set Judgement Aside" for the judgement that was against me

[Booner72]

Yes you can do both. Yes, file the police report for sure - then send a copy of that to Equifax if they don't remove it based on the certified letter w/ your license and a bill copy with your current address. Then it will be gone. And you can also throw in to the gym guy next time he calls that you have filed a police report, before you tell him not to call again - that will get his attention!

You should easily find the contact info for EQ online, either here t the forum or google.

[Anonymous]

Thank you so much. I will definitely go to the police station today. This was so much help!!

[RobertEG]

I dont see this as an identity theft issue, as the supporsed judgment creditor agrees that you are not the party for which they have a judgment.

Thus, I dont see an issue of asserting in a police report that someone else using your identity to secure a judgment.

When the dispute was filed, the CRA was required to conduct a resonable reinvestigation.  If the public record information was provided to them by a furnisher, they were required to have sent a copy of the dispute to the furnisher for their verification. However, being a public record, chances are that it did not come to the CRA by way of a third party furnisher, but rather the CRA placed it in your file as a result of an internally commissioned public records search.  In that event, they may have verified by simply using the incorrect information in their file and again reviewing the public record information. Not a resonable reinvestigation when the issue is one of improper matching of you to the public record.   How the CRA verified thus remains an unknown.

I would send the CRA a "method of verification" request under FCRA 611(a)(7), requring them to provide a "description of the procedure used to determine the accuracy and completeness of the information."  That will provide basis for challenging the reasonableness of their reinvestigation.

Of course, the most direct option is to bring civil action against the CRA in small claims court, asserting improper verification of the information, and thus providing the ability to compel discovery of whatever basis they have for their improper verification.  The FCRA dispute procedure does not require documenation of their verification.

[chasmith]

Are you sure the phone calls are for this item?

I had a problem for more than two years with calls from persons with heavy Indian accents and very Anglicized names claiming to be "investigators for a law firm", going to sue / have me arrested / etc. unless I arrnage to pay them right now.  No good explanation of what I supposedly owed money for.  They named a law firm and city but of course wouldn't connect me to an attorney, give me a bar card number or otherwise prove they were anything but a scam.  I looked up the law firm in Martindale Hubbell (it was a very prestigious large firm in Los Angeles), called the main switchboard and was told it's a scam they are aware of but cannot get stopped.  The scammers changed claimed firms and cities several times.  Since they were using a provider who sells US phone access to overseas users (perhaps from an Internet Cafe using VOIP from the background noise) threats of legal action didn't bother them.  The calls seem to have finally ended.

[Anonymous]

Sorry for the delay guys!

Found out the phone call is for another one that I had removed that wasn't mine. He's still trying to contact me!!



Anyway, I'm faxing over tomorrow paper work.

I'm gonna send a method if verification.

Thank you guys!! Especially Robert!