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lost lawsuit with Equifax


dunky
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I'm soooooooo frustrated. They blatantly placed somehting back on my report and did not contact me. I even showed the judge documentation from the orginal debtor (which was never mine I might add) that proved that it was requested to be removed and Equifax would not comply. The idiot judge didn't know her FCRA in small claims court. Anyway, since then, I can never access my credit report ever. They simply tell me when I call that I can't help you at this time and to tell them what I want and someone will call me back. No one ever does. Dilliards turned me down because Equifax would not release my report to them or anyone. I'm totaly being black-balled and I am so frustrated. What should I do?

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I'd appeal the case to the district court. They are so clearly in the wrong. What did the judge say/rule? Maybe even contact a lawyer on this if you are really suffering damages over the matter.

[Edit by admin on Wednesday, 13, 2002 @ 01:07 PM]

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she listened to my side, then Equifax's and then mine. I showed her proof that they had done it and she said "you'll hear from me in 7-10 days by mail."

When the decision came in the mail i was flabberghasted. Now whenever I call Equifax, nobody has access to my file and I'm told to just give them info and someone will call me back. This has happened about 8 times now and still no response.

I might add that just before the court date I recieved a letter from their attorney with an updated credit report. It had the item in question removed and two new items added that I literally have never heard of and never ever had..ie: American Express card.

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Well, if they had already removed the item, then that's probably why you didn't get a monetary award, you got what you wanted, mostly. I'd skip the phone from now on and go fax and snail mail - they can't ignore you, even if you've sued them.

I'd call your suit a minor sucess.

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Well, I've stayed out of this long enough.

I am having the same problem with Equifax.

I sued them in Small Claims last month. About 10 days prior to court I tried to phone in a dispute and was told my report was being handled by "an affiliate"! Why? I've ALWAYS worked through Atlanta as there is no EQ affiliate in my area.

Anyway, they took the info and said it would be done "manually". BTW, it's been over 30 days now!

Well, I met the EQ person in court and here in LA you share discovery, informally try to settle it, then try and settle it with a court appointed mediator. Well, the EQ rep apparently did not have the power to do or agree to do anything. I also asked him why I couldn't access my report and he told me that they block everybody that sues them. Can you believe that?

After wasting time trying to "settle", the judge said she was out of time and continued my case until Dec.

In a final attempt to deal with this, I told the EQ rep I would happily agree to settle for deletion and cloaking of the items and a $500 check (half of my costs). He said OK, I don't want to come back and it's cheaper than my airfare, rental car and hotel. I thought we had an agreement. Well, he gets back to Atlanta, doesn't call as promised and when he does finally call, he tells me that his legal dept told him to let the court decide.

Apparently, because there are no consequences to their actions, EQ must feel they are above the law. Or is just that the local small claims courts know little or nothing about the FDCPA and FCRA?

I wonder if it's time for a class action suit against EQ?

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that is unbelieveable....in regards to blocking everyone who sues them. Did they tell you that in front of the judge? It seems to me that this is illegal and you have a right to information upon request. Have you tried to get your report since then?

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dunky,

It was all said in front of the mediator or out of court. We never even got to say anything to the judge, but believe me I will be heard next month!

I haven't tried to get my report since, but I did send a fax and CRRR today saying it's been over 30 days and they need to delete the additional items I disputed and send me an updated report. We shall see. I also sent a copy of a delete UDF I got from another CA.

[Edit by smogtek on Wednesday, 13, 2002 @ 08:23 PM]

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Yep, and I may even take some of these posts with me if it's OK with you.

Better yet, if you'd send me a notarized letter saying you are blocked, I will do the same for you.

I'm interested in a class action because it's probably the only way to get their attention.

[Edit by smogtek on Wednesday, 13, 2002 @ 08:27 PM]

[Edit by smogtek on Wednesday, 13, 2002 @ 08:28 PM]

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