     John Lewis (Credithelp71) | Wednesday, February 28, 2001 - 07:52 am 
Hi all, I having a problem with Equifax removing an Household Finance item on my report. I sent 2 disputes in, the second more demanding along with a letter from the creditor to remove the item. I said in the letter, if this is being verified please prove it. Give me names, phone numbers and addresses. I just got back my results and I got a copy of my report and another letter showing the result of my investagation. It says Equifax verified that this item belongs to me. with the name of the creditor and address and along with the phone number. I called the number and it says you have reached a non working number at Household finance. The question I have is, if it was verified how was it done if the number is nonworking. Is this good for me? Should I call Equifax directly and tell them the same thing? |
| Christine Baker (Admin) | Wednesday, February 28, 2001 - 11:57 am
I would sue both Equifax and Household Finance. |
| Christine Baker (Admin) | Wednesday, February 28, 2001 - 12:22 pm
I just realized that you apparently can sue only one party in Small Claims.
It IS Household Finance's obligation to report accurate information. It may take several weeks for them to update the reporting.
What exactly does the letter say and what's the date on it? |
| Hal (Hal) | Thursday, March 01, 2001 - 07:37 am
Just an aside Christine. As I was discussing small claims in a separate topic group with you.
In Maryland, at least, the small claims filing allows for naming more than one respondent (defendant). |
| Christine Baker (Admin) | Thursday, March 01, 2001 - 10:36 am
That's interesting. In that case I'd definitely sue Household AND Equifax.
Equifax could then respond that they VERIFIED the account with Household and determined that the submitted Household letter was fraudulent, and that would be my evidence that Household screwed up.
And if Household then says they did NOT verify the account, it'll be up to the judge to decide who lied. |
