Issues with Equifax Reporting

[Caught750]

Okay, I don’t know how to deal with this so I’m hoping for some insight. EQ has got to be the most incompetent CRA out there. I’m having issues with one account and am outright at a loss with another.

Acct #1 was a short sale. According to CK there is no delinquency. According to MF there is a 30 day late in the details. The little wheel here says a 60 day late also. That is inaccurate and shouldn’t pertain to any of my accounts. This is the sole delinquent acct on my report. TU is clean with a 770 score and EQ is 716. EQ claims that it doesn’t show any delinquency (The late is 6 years 9 months old today). The comment on the acct shows “legally paid in full for less than full amount”

Acct #2 shows as an up to date, positive, paid trade line. Comment “collection account” there is no detail of late payments or anything else. It actually shows as a closed, positive trade line.

How do I deal with these accounts, the discrepancies, and the comments that are clearly negative if it goes to manual review? Thanks for any insight.

P.S. and solely for purposes of venting; I’m so frustrated with dealing with front line reps who are less educated than we are. I shouldn’t know your CRAs policies better than you do, you should know what an EE is if I do. You shouldn’t refuse to let me speak with a supervisor until I repeat your name and tell you I’ll call back and then tell the supervisor that you refused. It’s getting very frustrating. Thankfully these are the last of the things to be cleaned up, no wonder EQ gets sued and loses!

[silver_idle]

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@Caught750 wrote:
Okay, I don’t know how to deal with this so I’m hoping for some insight. EQ has got to be the most incompetent CRA out there. I’m having issues with one account and am outright at a loss with another.

Acct #1 was a short sale. According to CK there is no delinquency. According to MF there is a 30 day late in the details. The little wheel here says a 60 day late also. That is inaccurate and shouldn’t pertain to any of my accounts. This is the sole delinquent acct on my report. TU is clean with a 770 score and EQ is 716. EQ claims that it doesn’t show any delinquency (The late is 6 years 9 months old today). The comment on the acct shows “legally paid in full for less than full amount”

Acct #2 shows as an up to date, positive, paid trade line. Comment “collection account” there is no detail of late payments or anything else. It actually shows as a closed, positive trade line.

How do I deal with these accounts, the discrepancies, and the comments that are clearly negative if it goes to manual review? Thanks for any insight.

P.S. and solely for purposes of venting; I’m so frustrated with dealing with front line reps who are less educated than we are. I shouldn’t know your CRAs policies better than you do, you should know what an EE is if I do. You shouldn’t refuse to let me speak with a supervisor until I repeat your name and tell you I’ll call back and then tell the supervisor that you refused. It’s getting very frustrating. Thankfully these are the last of the things to be cleaned up, no wonder EQ gets sued and loses!

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Its sad but also true that consumers are becoming more educated about the polices, and laws in regards to the FCRA, etc. Its a good thing though. When it comes to speaking to a supervisor, especially after dealing with the normal reps, just be direct and ask to speak to one. You dont have to explain either. Some might be stubborn but you would have to be persistent. If they wont do anything, hang up, wait a minute, and call back. Its annoying with EQ though because they have you go through that lengthy verification part before you speak to anyone (who would also verify you again by asking for your info - like whats the point of the first verification if they have to do it again...) but when you dont want to send anything via mail or fax, thats the only option.

I would first suggest making sure that the account is truly an collection account. Some companies will report accounts but it wont be marked as an collection account, but would have some remarks on it stating it is. Example, verizon would report an account when its submitted to their "collection department", but its never really categorized as an collection account but would have remarks as if its one. Kind of weird if you ask me. In your case, if its an account that was revolving, etc., I do not believe they can change it to an collection account or add such a comment that it is one. Someone might want to correct me on that though since im not sure if an account being assigned internally to a collection department would allow that change. What you would want to do is dispute it if its wrong with the CRA and if it comes back verified, submit an dispute to have it reinvestigated. Supply documents, if any, to show whats reported isnt correct or accurate. You might also want to pull your full credit report at annualcreditreport.com to see everything in detail about what youre going to be disputing and if you use CK, to look at previous snapshots of your credit report there to get an idea of what was reported before.