LadyDC Posted February 2, 2005 Report Share Posted February 2, 2005 I disputed this on Jan 10th. Equifax verified this tradeline:US Department of Edu AfsaDate Opened: 08/2000Date Closed: 02/2002High Credit: $0Credit Limit: $0Balance Amount: $0Amount Past Due: $0Actual Payment Amount: $0Date of Last Activity 02/2002Current Status- Over 120 Days Past Due; Collection Account; Student Loan Assigned to GovernmentAfter I disputed, EQ added the 120 Days Past Due. I called Equifax and rep said that the account was inactive. Can an inactive account report lates? Link to comment Share on other sites More sharing options...
DocDon Posted February 2, 2005 Report Share Posted February 2, 2005 And the rep didn't notice an account with a $0 balance that was closed in 2002 is not CURRENTLY over 120 days late?I'd call them back and see what they have to say about that. Link to comment Share on other sites More sharing options...
LadyDC Posted February 2, 2005 Author Report Share Posted February 2, 2005 And the rep didn't notice an account with a $0 balance that was closed in 2002 is not CURRENTLY over 120 days late?I'd call them back and see what they have to say about that.I person I talked to was clueless. She kept asking me if I wanted to start a new investigation (5 or times). When I tried to explain to her that I couldn't possibly be late on this account, she would say " Well that's the information we have. Do you want to start a new investigation." This woman was getting on my nerves, so I told her no and got off the phone. Link to comment Share on other sites More sharing options...
DocDon Posted February 2, 2005 Report Share Posted February 2, 2005 They're drones. That's all they're programmed to say.You ask for a procedural request.... you get nothing. The only thing they understand is lawsuit. Link to comment Share on other sites More sharing options...
LadyDC Posted February 2, 2005 Author Report Share Posted February 2, 2005 They're drones. That's all they're programmed to say.You ask for a procedural request.... you get nothing. The only thing they understand is lawsuit.Thanks DocDon,I'll put together a procedural request and send it CMRRR to EQ right away. Something new to add to the papertrail. Link to comment Share on other sites More sharing options...
sxxx Posted February 3, 2005 Report Share Posted February 3, 2005 Lady DCI tried to delete this same type of student loan on my husband account, after I did, EQ updated the same information. So I disputed it as a reinsertion, and they took it off in about 10 days.Hope this help Link to comment Share on other sites More sharing options...
LadyDC Posted February 3, 2005 Author Report Share Posted February 3, 2005 Lady DCI tried to delete this same type of student loan on my husband account, after I did, EQ updated the same information. So I disputed it as a reinsertion, and they took it off in about 10 days.Hope this help Hi srav,When you disputed the student loan, what reason did use for your dispute(not mine, incorrect balance)? I used "not mine" and they verified. Link to comment Share on other sites More sharing options...
sxxx Posted February 3, 2005 Report Share Posted February 3, 2005 Yes,I said not mine. I got the letter back today stating the other account was deleted. I think student loans are harder to get rid of, the governmnet keeps excellent records. So I would go ahead and dispute it as a reinsertion. Link to comment Share on other sites More sharing options...
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