@JoeRockhead wrote:
@jinglebells If you did this online, I would continue to dispute using the same reason but I would call them and politely ask to speak with a supervisor if the first level of CSR won't budge. You should be able to get the late payments removed at the very least after conveying that (again) you weren't the one responsible for account in addition to having no involvement or access in ensuring the payments were made on time.
I did exactly that. The supervisor keeps repeating that the only option he can offer is to start the dispute over again (which probably wouldnt change anything) when Im trying to expain him that the problem is not with citi's reporting but with equifax, offcoure politely.
I think the problem is that EQ's system is/was classifying me as a primary card holder before the "relationship terminated" thats its currently classified as.
The main popblem I beleieve is that citi issues AU's cards with same card number as Primary card holder as opposed to other creditors like Capital one and thats messing up my classification in their system.
Citi has a policy that they supply the historical data to AU's credit report for the time period they were listed on the account as AU which is what they are doing right now.
But, Equifax somehow messed up their internal classification and is holding me accountable for this account.
What additional steps would you suggest to force the EQ to do make it right?
