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Great help! Much appreciated. The Credit Reports that I posted originally were not the most up-to-date. I had the dispute with Equifax (middle-ish of June, 2021 and it was 'resolved' on July 2, 2021) but I had several phone calls with Equifax as follow up. As such, the details in the Equifax Credit Reports have not been the most complete. That changed......
In my letter to Merrick I included the screen shots from the most recent, updated Credit Report (Equifax in this discussion.....but I did include both Equifax and Transunion in my letter to them). Oddly, they (Merrick) have not touched the Experian Credit Report.
Anyway, here is the "Account Details" from the August 16, 2021 Equifax Report (and, what was included in my letter | dispute sent to Merrick dirctly).
There is an actual account number. It is just not showing up on anything that I have included in these posts.
Now, in my letter to Merrick, I did not 'challenge' the data in the "Amount Past Due" field. As you can see, it is missing. I will include that in my discussion with Merrick. I am operating under the assumption that they will be professional and act appropriately. Kind or not! :-)
Thank you again.....I, too, love the data. And the "why" (or, details) behind the data.
Here they are.....three screen shots in total!
The date reported field seems to be an issue! Ha! Ha! Merrick has been updating this account essentially every week (or - at worst - every two weeks) since December 1, 2020.
The longest lapse in a changed "Date Reported" was between July 2, 2021 and August 12, 2021.
Hey, I really appreciate your assistance. I need to go to work now....I am working overtime today and work from 6PM to 4:30AM. So, gonna dissapear for a good while (and now you know why).
If anything comes to mind, I would love to hear it. I am frustrated by this whole situation (and, to be clear, starting with myself for allowing this to happen back in 2017).
All good, life and work happens.
I just love the data, hope to help folk understand it, and ensure its understanding, impacts and accuracy.
Data is everything.