MaggieNY Posted December 21, 2004 Report Share Posted December 21, 2004 I submitted several disputes online with Equifax on Sunday for old charged-off accounts. Today I check my PG report and all the disputed accounts that were closed now shows as open and all comments (such as one that was paid - it was a paid c/o that I disputed as not mine) all have "N/A" now. That totally tanked my score!!Can they do that? Obviously they could NOT have verified all the accounts in 24 hours and even if they did, none of those accounts are open and even my one paid account is not showing as paid anymore (and as a matter of fact, I noticed a few days ago that it's not showing as paid in Trans Union anymore either, even though I haven't disputed with Trans Union). Several of them are showing as late and now with the open status, it looks as if they are all open and currently late!!!What can I do about this? Should I call them? Link to comment Share on other sites More sharing options...
MaggieNY Posted December 21, 2004 Author Report Share Posted December 21, 2004 Well, I called Equifax. The woman told me that she isn't showing any of those accounts as open, but she never did give me an answer as to what happened to the comments. Something weird is going on. *sigh*At least I was able to dispute some inquiries while on the phone.My score dropped on PG from 611 to 583 because of those accounts showing as open and the comments taken out (except for the incorrect late comments, of course). I guess this is how they punish you for disputing. Link to comment Share on other sites More sharing options...
gprncss Posted December 23, 2004 Report Share Posted December 23, 2004 Going through the same process with EQ. I disputed my Charge-offs, I check PG and they came up open? HUH? My 30 days was not up yet so I waited, no change. So I sent in another dispute claiming fraud and stated this account was closed in ... has been reported as open since ... how is that possible?Got one charge off taken off as a result , of course this caused them to put a fraud alert on my CRs.my fraud dispute got the Creditor involved. I was hoping for a complete delete but I see I'm going to have to send EQ a copy of my letter from Cross Country which says, they have reported the account as closed but EQ is showing it as open. Needless to say, it tanked my score big time!!! I was so close to being in the 600 club Link to comment Share on other sites More sharing options...
MaggieNY Posted December 23, 2004 Author Report Share Posted December 23, 2004 Mine still shows as open on PG too, but I'm leaving it right now. The woman on the phone said they show to her as closed. I asked her if she was looking at the report I pulled a few days before I disputed as they were closed then (as they ask for the confirmation number when reviewing the account, so I assumed she was looking at the report that matched the confirmation number). She wouldn't answer me and after asking FIVE times, she finally said no, that she was looking at the most recent copy of my credit report but would not state what date was on the report. I was at work and didn't have time to continue the merry-go-round with her.I could pull my EQ report again, but I'm not paying another $15 to prove that they are illegally reporting all my accounts as open now because I disputed. I'm going to wait for the 30 days to be up and get an updated report from them. If they don't send me an updated report and I have to pay for a new one, and if the report shows those accounts as opened, they are going to get an ITS letter from me. Link to comment Share on other sites More sharing options...
gprncss Posted December 23, 2004 Report Share Posted December 23, 2004 yes wait till the dispute time is over then attack! I disputed mine again, so I'lll wait and see, if not then I'm sending them an ITS letter as well!Why do you pay $15.00 to get your report, Just curious? Link to comment Share on other sites More sharing options...
Recommended Posts