Equifax is dense

hpotterfan77 · ‎10-18-2019

Why, why, why is Equifax so dense and hard to work with. About 2 years ago, my car got repossessed however I was able to get it back within a week. TU and EXP all report the reposession but show the account as an open installment loan which they should however Equifax is reporting the account as closed. I've been fighting them for 2 years on this and disputing the fact that it is NOT in fact a closed account and that it's very much open and they refuse to change the status even though you can clearly see i'm still making payments on it and it's current. Is there anything I can do about this other than dispute it again?

Starting Scores (9/19): EQ - 474/TU - 528/EX - 502
Current Scores (09/22): EQ - 617- TU - 638/EX - 647
Comenity M/C - $6730.00, BJs Perks MC - $2800.00, Credit One - $1200.00, Credit One - $800.00, NFCU -$6300.00, Care Credit - $5000.00, William Sonoma - $3500.00, Overstock - $4100.00, Pottery Barn - $2000.00>

calyx · ‎10-18-2019

Stop disputing it with the CRA. Ask the lender to update Equifax.

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO

thornback · ‎10-18-2019

In this case, you should reach out to the lender and request they update the tradeline on EQ.

But - with regards to filing EQ disputes, in general:

Are you only disputing via the online dispute portal? If so, try sending a dispute by mail - along with documentation showing recent account activity -- to force a person to actually read. This has worked for me - online disputes always fail.

However, if that still doesn't work, then file your disute, including your documentation, as a complaint via the CFPB portal - A "special" team within EQ will handle it and you'll likely have better luck. It'll also let you respond to EQ after receiving the dispute/complaint result should it not be resolved in your favor.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

hpotterfan77 · ‎10-18-2019

Thank you all for the advice!!

Starting Scores (9/19): EQ - 474/TU - 528/EX - 502
Current Scores (09/22): EQ - 617- TU - 638/EX - 647
Comenity M/C - $6730.00, BJs Perks MC - $2800.00, Credit One - $1200.00, Credit One - $800.00, NFCU -$6300.00, Care Credit - $5000.00, William Sonoma - $3500.00, Overstock - $4100.00, Pottery Barn - $2000.00>

Queen_Etherea · ‎10-21-2019

The only way I got Equifax to get anything done is by filing a claim with the CFPB. They had it fixed within 30 days. It's seriously super easy and you can do it all online and upload any supporting documents. I would definitely recommend filing a claim against Equifax (not the lender).

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.