My wife has a couple of Collection Accounts on her Equifax CR. We disputed them with Equifax and the response from Equifax leaves us perplexed as to how to proceed. I have changed the exact CA names and numbers in this post. The response is in two parts with the first part saying:
“We have researched the collection account number 123456. The results are: Once an account has been opened, the account may appear on the credit file for 7 or 10 years from the date of last activity. If you have additional questions about this item please contact: _____ credit service and their address."
The next statement says:
“We have reviewed your concerns and our conclusions are: The disputed ___ law office account number 123456 and the _____ credit service inc. account number 123456 are currently not reporting on your credit file.
The result appears to be that they are going to keep them on her CR without the CA reporting and verifying the data. I don’t understand this situation. Is this legal? And how should we proceed?
And to complicate the situation even further the two CA have different names, but the same address and are reporting the same collection debt. Can two “different” organizations report the same collection debt twice on her credit report?
Thanks.
