creditobsessed Posted November 8, 2004 Report Share Posted November 8, 2004 I disputed several items on my Equifax report on 9/23/04(EQ rec'd dispute on 9-24-04). I didn't get my results until 10/29/04.Results were actually dated 10/26/04. So technically that is outside the 30 day time period. The problem is the results are bascially false. EX1: I have a paid off mortgage account that showed a horrible payment history and an open status. I disputed as never late and paid in full. The results of my dispute state:"we have researched the credit account. acct. #*** The results are: This account is currently reporting paid as agreed, with no late payments. This creditor is currently reporting a zero balance for this account. If you have additional questions about this item please contact blah blah blah." However; on the actual report the status reads pays 31-60 days and there are 6 late payments of 30 days.EX2: I disputed several inquiries on my report that I did not recognize. For these they made a general statement : " We have reviewed your concerns and our conclusions are: The additional disputed inquiries are not currently reporting on the Equifax credit file." However; I have not pulled a report since these results that do not show these inquiries.Can I hold them to these result statements or can they just tell me whatever they think I want to hear and then report it any way they want?I know there is a violation involved if they delete information and then reinsert it without notifying me. (which I have also had happen with equifax within the last couple of months)but, I didn't know about any kind of violation if the information was never deleted, they just basically lied to me in my dispute resutls!Thanks for the help I have a couple of violations against them in other areas, and would really love to rack up all that I could in order to bargain or sue the ?*#@ out of them.Thanks a lot!! Link to comment Share on other sites More sharing options...
Felicia Posted November 10, 2004 Report Share Posted November 10, 2004 I have experience the same thing just recently myself. You need to check out the fair credit act. Link to comment Share on other sites More sharing options...
blrogs Posted November 10, 2004 Report Share Posted November 10, 2004 DO as i did hire a fcra attorney and sue them, you can do it yourself but save a headache and consult a attorney, its much easier! Link to comment Share on other sites More sharing options...
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