I talked to equifax today to open an investigation on five old items and the customer svc agent said she didnt understand why I wasn't dealing directly with the collection agencies that held my old debt. I told her that I expected Equifax to challenge the items as not mine, paid and one for reporting an erroneous last activity date. I told her that because Equifax is reporting this as negative information that she needed to verify that the debt was legit and she told me that this is not the case. What she actually said was "we can not know for sure, we only know what the collection agency tells us..." At that point I said that I would want proof of signed contracts and she told me if I wanted that to get a lawyer and sue the OC!! Is this simply a case of a naive underpaid phone rep - seriously, she told me that they only go by what the CA parrots back. When I told her this was not how the law works she seemed to get testy and added that she would make notes on my file. All this for challenging five items. Did I overstep challenging all of my bad TL on the first go? The agent said something about the number of disputes, but one is the same debt reporting three times separately - this did not seem excessive but now I am wondering if she will write the lot off as frivolous given that she commented on how many I challenged. Has anyone had deletes after an awkward phone call?
