Navy Fed Problem

[Anonymous]

Hey all,

     I was an "authorized user" on a family members card almost 7 years ago. They let the card max out ond go into collections. I have contacted Navy Fed, and I actually have my own account with them now, and they sent me a letter saying I was never liable for the account and it should be removed. It is only left on Equifax. I have sent the dispute online almost 8 times with the letter attached to it. I tried snail mail and electronic dispute. The stupid thing still remains on my report. Suggestions?

[ashjt2011]

I would call them and explain over the phone. I had a situation like this. Once I called and explained, it was gone within 2 days, they didn't even ask me for the supporting paperwork.

[Anonymous]

I may have to do this. I think Equifax blocked me from disputing anymore through the online site. I need to call Equifax or Navy Federal?

[Anonymous]

---

@Anonymous wrote:

I may have to do this. I think Equifax blocked me from disputing anymore through the online site. I need to call Equifax or Navy Federal?

---

Equifax

[Anonymous]

Thank you. I will try to call them. It is the only negative notator I have on my file now since it all go cleaned up. EQ is almost 50 points lower than the other 2. I don't see many differences in tradelines minus that.

[Anonymous]

I called, and all they did was open another dispute via the telephone.

[Anonymous]

---

@Anonymous wrote:

I called, and all they did was open another dispute via the telephone.

---

this SHOULD be all you had to do in the first place.  an Authorized User account usually can be disputed off as "not my account" with a minumum of effort

[Anonymous]

I have tried this many times. I have even included the paper from Navy Fed in snail mail and online dispute that says I was not responsible for this account and it should have been removed in 2014. So it was supposed to be removed over 3 years ago and still shows today. Equifax is the worst to deal with. The others removed it immediately.

[gdale6]

Equifax and their games. If they dont remove it this time file a CFPB complaint on them that usually gets it zapped quickly.  http://www.consumerfinance.gov/complaint/

[Anonymous]

---

@gdale6 wrote:

Equifax and their games. If they dont remove it this time file a CFPB complaint on them that usually gets it zapped quickly.  http://www.consumerfinance.gov/complaint/

---

I'd go ahead and do this right now, as there is a possibly of the CFPB being de-funded due to the current 'political climate'