Equifax Online Dispute Submitted...What next???

[mompreneur1]

Hello there!! I need some help forum! I disputed a few items on my CR with Equifax online and it has been 31 days now and I haven't received a response back! I thought they had only 30 days to investigate and respond? Can I now send a letter requesting that they delete all disputed information due to their non response? Please help!

[LIGHTNIN]

If you disputed thru annualcreditreport.com it can take up to 45days for results.

If you dispute online with EQ,you have to go back to EQ web site to view current online disputes.

[mompreneur1]

Thanks for the info. I disputed with EQ and when I check my status online it reads " There are no pending disputes". But that is incorrect! I even have my confirmation number to prove it. So I gave them a call, and the rep says that it may take up to 40 days?? Is this correct? Can't I request that they delete the information now because it has surpassed the 30 day investigation period?

[LIGHTNIN]

40days is not correct. The FCRA 611 states  the CRA has 30days, from the date they received the dispute.

 To conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information,or delete the item from your CR.

ETA: Unless you used a conformation number from the Free CR thru annualcreditreport.com, then it could take up to 45days.

[valley_man0505]

Was your online dispute actually through Equifax, or did you have to go through CSC?  If your Equifax report is handled by CSC, all of their responses are by snail mail, even if your dispute was online.  In my experience with CSC, their investigation often isn't complete until the very last day.  Then, it takes a week or two for the hard copy to actually show up in the mail.

[mompreneur1]

Thank you, Lightnin!

FYI: My dispute was not through Free CR. or annualcreditreport.com.

[mompreneur1]

Thank you Valley_man505 but what is CSC? (Im not that familiar with all of the acronyms yet)

[valley_man0505]

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@mompreneur1 wrote:

Thank you Valley_man505 but what is CSC? (Im not that familiar with all of the acronyms yet)

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For people in certain areas of the country, Equifax actually has a company called CSC handle all the credit reports.  It is a strange setup.  With me, for example, if I try to dispute online through Equifax, it takes me directly to the CSC website once I enter my zipcode.  I then have to do everything through CSC's website.  Then, when they send me a report, it comes directly from CSC and is formatted completely different than other Equifax reports would be.  I believe this happens for people who live in the Midwest (I am in Wisconsin).

[Anonymous]

Where, exactly, did you get your CR?

[Anonymous]

What ended up happening here?

I'm in a similar situation and looking for answers. I too filed a dispute through Equifax online on a credit report that I know is in their hands and not CSC. I filed the dispute from a paid credit report obtained from Equifax's credit monitoring and reporting services. The status is still pending after 43 days. I've written a letter specifically pointing to what equifax's website says and what the FCRA says regarding dispute timelines, demanding that they remove the disputed entry because they have lapsed their 30 days, not sent notice of a 15-day extension, and the status is still pending. I am waiting until Monday (day 47) to send the letter certified mail because I want to cross over the 45 day threshold just to be safe. Also attached to the letter is the email confirmation from initiating the dispute and a screenshot of the dispute status page showing "pending" as of today.

Did they end up removing the item from you? Did I sufficiently cover all bases? I've been looking all over the place for answers. It seems like they're obligated to just remove it at this point.