@Anonymous wrote:
Now I found in this forum that one member sent a complain using CFPB. Just sent one today.
I am not a big fan of using CFPB this early in the process. That's ideally for when the CRA is really intransigent and you need the US govt to step in to get them to cooperate.
You ask why you have to do their job. They have explained that they have no creditors of any kind listed in your file. Therefore they simply can't call your creditors.
They are right that the next step is for you to make a list of all your creditors and call them and ask them if they are reporting to Equifax and if so when the last two dates they did so. The phone calls shouldn't take less than a half hour total -- just make sure that you are talking to the dept inside that creditor that deals with the credit bureaus. An ordinary customer service might not know the answer or give you mistaken info.
You can use your credit reports at the other two bureaus as a model for who to call.
Be sure when you speak with each creditor that they have been using the correct street address, city, state, and zip, as well as spelling of your first name and last name, and social security number and birthdate. Double check that each one had been using the same correct current info.
BTW, what accounts do you have and how long have they been open/ For credit cards, have you made a purchase on each one in the last four months?
PS. You may not be able to reach the specialized depts (at Chase, Citi, Amex, Bank of America, etc.) that deal with the credit bureaus this weekend. Best to wait till Monday (a few might be closed in honor of Veterans Day, in which case Tuesday).
PPS. If your research shows that you have multiple creditors that have been reporting to EQ for at least the last three months, it may mean that you have a Split File. We can explain more about that once you have called your creditors and done the legwork with them.
