dunky Posted November 13, 2002 Report Share Posted November 13, 2002 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? Link to comment Share on other sites More sharing options...
admin Posted November 13, 2002 Report Share Posted November 13, 2002 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] Link to comment Share on other sites More sharing options...
dunky Posted November 13, 2002 Author Report Share Posted November 13, 2002 when the letter came, they wrote on the letter. Defendant does not owe plaintiff any money. It also states on the back of the letter that no appeal is allowed in smalls claim court. What now? Link to comment Share on other sites More sharing options...
admin Posted November 13, 2002 Report Share Posted November 13, 2002 That's it? What happened in court? Link to comment Share on other sites More sharing options...
dunky Posted November 13, 2002 Author Report Share Posted November 13, 2002 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. Link to comment Share on other sites More sharing options...
admin Posted November 13, 2002 Report Share Posted November 13, 2002 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. Link to comment Share on other sites More sharing options...
dunky Posted November 14, 2002 Author Report Share Posted November 14, 2002 except that whenever I need someone to pull my Equifax report they won't release it... Link to comment Share on other sites More sharing options...
admin Posted November 14, 2002 Report Share Posted November 14, 2002 Well, that's true. That's a new one on me... Link to comment Share on other sites More sharing options...
dunky Posted November 14, 2002 Author Report Share Posted November 14, 2002 are they in some sort of violation by nort releasing my credit information to authorized parties? Link to comment Share on other sites More sharing options...
smogtek Posted November 14, 2002 Report Share Posted November 14, 2002 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? Link to comment Share on other sites More sharing options...
dunky Posted November 14, 2002 Author Report Share Posted November 14, 2002 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? Link to comment Share on other sites More sharing options...
Anonymous Posted November 14, 2002 Report Share Posted November 14, 2002 The FTC needs to know Equifax is placing blocks on your information. It seems especially damaging to you (and of interest to the FTC) that other parties cannot obtain your info for permissable purposes.Maybe you're on 'double top secret probation' or something. :-0 Link to comment Share on other sites More sharing options...
dunky Posted November 14, 2002 Author Report Share Posted November 14, 2002 ok, that's good to know. I think i'll notify the FTC. I'm thinking getting an attorney and taking this further. Does any one out there want to talk about a class action suit? Link to comment Share on other sites More sharing options...
smogtek Posted November 14, 2002 Report Share Posted November 14, 2002 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] Link to comment Share on other sites More sharing options...
dunky Posted November 14, 2002 Author Report Share Posted November 14, 2002 so you are going on to court with this right? Will you keep me posted and maybe even mention to the judge that you have been blocked? Link to comment Share on other sites More sharing options...
smogtek Posted November 14, 2002 Report Share Posted November 14, 2002 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] Link to comment Share on other sites More sharing options...
dunky Posted November 14, 2002 Author Report Share Posted November 14, 2002 please do...are you going to small claims or a regular court? Link to comment Share on other sites More sharing options...
smogtek Posted November 14, 2002 Report Share Posted November 14, 2002 Small claims. If you are interested in doing a notarized letter for me let me know and I'll email you the snail mail address.I will do the same for you. Maybe if we can show a pattern of behavior on EQs part, we can get the judge's attention. Link to comment Share on other sites More sharing options...
dunky Posted November 14, 2002 Author Report Share Posted November 14, 2002 absolutely...you can email me at duncan@gioia.ccThanks a lot I really appreciate it. Link to comment Share on other sites More sharing options...
smogtek Posted November 14, 2002 Report Share Posted November 14, 2002 You've got mail! Link to comment Share on other sites More sharing options...
kimber6337 Posted November 15, 2002 Report Share Posted November 15, 2002 Good luck yall! Link to comment Share on other sites More sharing options...
admin Posted November 15, 2002 Report Share Posted November 15, 2002 Yeah, PLEASE let me know what happens! I'll write up both of your cases (you can tell me if you want your name used) for an article here and for a press release - more people need to know what's going on with these guys! Link to comment Share on other sites More sharing options...
dunky Posted November 21, 2002 Author Report Share Posted November 21, 2002 please use my name as I want them to know what wankers I think they are... Link to comment Share on other sites More sharing options...
georgiaboy Posted November 21, 2002 Report Share Posted November 21, 2002 Just curious about this blocking deal, are they blocking just you, or are they also blocking potiental creditors whom are trying to access your credit reports?If you dont know the answer, maybe you should go somewhere and ask someone to pull your CR and see if they let the creditors access it. Link to comment Share on other sites More sharing options...
dunky Posted November 21, 2002 Author Report Share Posted November 21, 2002 both unfortunately. I'm at a loss as to what to do. Link to comment Share on other sites More sharing options...
Recommended Posts