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Equifax is dense

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Regular Contributor

Equifax is dense

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?

BK Discharged - 09/16/15
Starting Scores (9/19): EQ - 474/TU - 528/EX - 502
Current Scores (11/19): EQ - 492- TU - 547/EX - 547
US Bank (secured) - $300, Total Visa - $300.00
Message 1 of 5
4 REPLIES 4
Senior Contributor

Re: Equifax is dense

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

Nov 2019


Garden goal: keep on keepin' on
Usually a faithful practitioner of AZE5or6or7; working on AZE1or2 and grumbling about it.
Message 2 of 5
Valued Contributor

Re: Equifax is dense

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 | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/01/2019: EX 761 ✦ EQ 731 ✦ TU 757
Current FICO 9s | 10/01/2019: EX 765 ✦ EQ 765 ✦ TU 758
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 760s


My AAOA: 2.9 years not incl. AU / 3.0 years incl. AU
My AoOA: 6.9 years not incl. AU / 8.9 years incl. AU
Inquiries: EX 0/6 | 4/12 ✦ EQ 0/6 | 5/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


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.
Message 3 of 5
Regular Contributor

Re: Equifax is dense

Thank you all for the advice!!

BK Discharged - 09/16/15
Starting Scores (9/19): EQ - 474/TU - 528/EX - 502
Current Scores (11/19): EQ - 492- TU - 547/EX - 547
US Bank (secured) - $300, Total Visa - $300.00
Message 4 of 5
Established Contributor

Re: Equifax is dense

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’m probably never finding that garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 5 of 5
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