It seems like it is taking forever but the fruits of my calls, letters, and CRA disputes are paying off. A few months ago I started checking my reports. There was a Verizon Wireless entry CO from 2000 and I have never had a Verizon account. After talking to several departments it was determined by Verizon that I had a wireless account from another company that was bought by Verizon. Of course I asked for a copy of the contract. They could not supply but would not remove. They wanted me to prove that I didnt have an account with them. How do you prove you NEVER had an account??? They entered my information to the fraud department - of course they somehow determined this was not fraud. When I asked for verification, they said they didn't need to provide - they wouldn't remove. I began the CRA dispute process and when it was not verified with TU and removed from TU's report I contacted them and asked them to kindly remove from EX and EQ - they wouldn't do it. So continued the game of buying more reports and disputing. Tonite EQ removed the entry and my score shot up 89 points! On a nearly seven year collection that Verizon has diligently entered as late every single month. Now I wait for EX...
It is absolutely ridiculous how easy it is for a creditor to erroneously post something and how seemingly insurmountable it is to remove.
