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     | Friday, January 26, 2001 - 04:23 am  Here's my story. I sent Equifax a dispute letter, with a letter from the creditor stating that the info on my Credit report was wrong. They sent a letter saying that they verified that the info. on my report is correct and made no changes. I called Equifax and told them didn't you see the letter I submitted with my dispute from the creditor that stated that the info is inacurate. The rep I had on the phone said that they can't except letters sent in from the creditor to me. That they can only except it directly from the creditor. Has anyone had this problem with Equifax? Experian and Trans Union had no problem correcting it. What are my options? Thanks!
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| | Friday, January 26, 2001 - 10:10 am How long ago did the creditor write that letter? At the same time they are writing the letter, they *SHOULD* notify all bureaus with the corrections. If it's been over a month since they wrote the letter, AND they didn't just do you a favor by removing a correct late payment (or whatever the dispute is over,)I would go straight to Small Claims and sue both the creditor and Equifax. Equifax was probably too lazy to verify the authenticity of the letter with the creditor. If you really want to spend more time, fax the creditor and ask why they are not correcting their reporting.
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| | Friday, January 26, 2001 - 11:14 am I had the same thing happen to me with two creditors and Equifax. Equifax told me that they will not accept anything except a universal data form directly from the creditor. They also told me that they had 90 days to update, even though every creditor letter I have specifies that the CRAs have 45 days to update re the FCRA. The 45 day limit was reiterated to me by telephone with creditor reps in the credit bureau dept. of the companies. Equifax had the nerve to verify an account less than 10 days after they received my dispute letter (including the letter from the creditor). When I called them the day I got my "account verified" letter, a supervisor told me that the creditor did send a UDF to delete, but Equifax didn't get that UDF until 2 days after they wrote the "account verified" letter. All of this well within 30 days. When I asked the supervisor how could they verify an account before they got correspondence back from the creditor and why did they not wait 30 days to find out what the creditor had to say, she said that the creditor must have sent two UDFs to Equifax. They are lying through their teeth.
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| | Friday, January 26, 2001 - 03:01 pm That's why people should sue. As long as everybody cheerfully volunteers their time to creditors and credit bureaus, nothing will change.
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| | Monday, February 26, 2001 - 06:12 pm I think you should file a small claims action against them. Cite the section of the FCRA that states the agency must consider all relevant information provided by the consumer: (4) Consideration of consumer information In conducting any reinvestigation under paragraph (1) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph (1)(A) with respect to such disputed information. The full FCRA can be found here: http://www4.law.cornell.edu/uscode/15/1681i.html There are may reports on message boards such as this of consumers filing these suits - most reports indicate the CRA prefers to settle before court. They are WRONG in this instance and you can get this corrected.
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