Jump to content

EQ did not investigate...

Recommended Posts

I disputed 6 items in one letter that EQ received on Nov. 29, 2002. Today I received the results of those investigations sans one item.

It appears that EQ didn't even look at this one item. I did not receive a 'frivolous' letter or a refusal to investigate letter about it. They simply didn't investigate it.

What are my options?

Link to comment
Share on other sites

I wrote a nice little letter, made the whole thing up on my own (with a little help from some existing letters) because I couldn't find any examples for this type of situation.

Here is what I sent (redacted of course):

January 2, 2003

Attn: Glen King

Equifax Information Services

P.O. Box 740256

Atlanta, GA 30374-0256

RE: Investigation Results (File # **********)

Dear Mr. King:

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. This is NOT a request for reinvestigation.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

The following information therefore needs to be deleted. I disputed this item in a letter which you received on Nov. 29, 2002. This item is not listed in the Investigation Results that I received today Jan. 2, 2002. The thirty day investigation period has expired; this item must now be deleted according to Federal Law.

Item to delete:


The listed item represents a very serious error in your reporting. Please delete this misleading information immediately.

I have enclosed a copy of your investigation results, my original dispute letter, Certified Mail receipt, and Return Receipt postcard signed and dated Nov. 29, 2002.



CM # **** **** **** **** **** ****

go ahead and tear it apart, I already sent it ;)

CMRRR of course


Link to comment
Share on other sites

I too got something back from EX. I disputed 9 line items. 2 were deleted (yeah!) 4 were updated (paid) and 3 remained. They didn't tell why they remained. Said they were validated. How? Do I send a letter asking the CRA or to show proof of verification and the CA to validate?

Link to comment
Share on other sites

This topic is now closed to further replies.

  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.