Hi Tuscani,
Yes, CSC holds the file and they are the problem...
The last time I disputed this account (and 2-3 others which I have *documentation* from creditors in my favor...) the kind folks at CSC
removed an unrelated GOOD account which was a car loan from 1999 that is paid-in-full, had ZERO lates, and was a solid plus on my credit report.
I guess they think they can "school" folks for disputing by deleting GOODIES and leaving the BADDIES that should be removed.
So today I called both Equifax and their little brother CSC. Initially I wasn't able to get much help until I threatened to file suit with the state attorney general's office under violation of the Fair Credit Reporting Act. BTW, I made sure to read Equifax's statement on the FCRA over the phone to these folks; along with my notes of dates, times, people, actions, resolutions that I have kept along the way.
In addition, I am going to be in Atlanta on business in October, so I made sure to say that if I didn't get some response from a higher-level manager that I would be stopping by IN PERSON to visit Equifax and might be bringing some news media along with me.
Now that I got their attention, I have been assured me that a manager (one from EQ and another from CSC) will call me back first thing on Monday morning.
Fortunately I am self-employed and can WASTE an hour on the phone with these morons. I feel really bad for the lower-income people or those who work from dawn til dusk and can't "play the telephone shell-game" when on-line disputes go nowhere. They are the one's who really get screwed.
FICOnater2007