Jump to content

Inactive account-EQ reports 120 days late


Recommended Posts

I disputed this on Jan 10th. Equifax verified this tradeline:

US Department of Edu Afsa

Date Opened: 08/2000

Date Closed: 02/2002

High Credit: $0

Credit Limit: $0

Balance Amount: $0

Amount Past Due: $0

Actual Payment Amount: $0

Date of Last Activity 02/2002

Current Status- Over 120 Days Past Due; Collection Account; Student Loan Assigned to Government

After 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

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. :lol: 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. :x

Link to comment
Share on other sites

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

Lady DC

I 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 :D:D

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

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.