beeboah Posted August 19, 2005 Report Share Posted August 19, 2005 Hi,I just called equifax to ask them if they validated BK information with the BK court. They said yes. Then I said, well I just faxed you documentation from the court which shows that they do not validate with Credit Reporting Agencies. (True that I do hold such a letter from the court)I said, well if you say that you validate with the court and I have a letter here saying that is not possible then where are you getting my information from?I also told them that the date of Bankruptcy validation on my EQ credit report is reported in UK format. (More proof that "substantiation" comes from Lexis Nexis) I was put on hold for an eternity. She then changed her story to inform me that my Bankruptcy information came from my Creditors who all have a copy of my schedule F.I said that is illegal and that they MUST validate directly with the BK court.(not sure if I am correct)She said ok, they will do that.Sure.... Link to comment Share on other sites More sharing options...
Methuss Posted August 22, 2005 Report Share Posted August 22, 2005 Creditors cannot report BK status on public records. That line she said was pure bullcrap. Creditors may report only what is in their own tradelines. Link to comment Share on other sites More sharing options...
beeboah Posted August 23, 2005 Author Report Share Posted August 23, 2005 ok, thanks...I figured such, lets see if they validate it again! Link to comment Share on other sites More sharing options...
beeboah Posted August 23, 2005 Author Report Share Posted August 23, 2005 I just called again and told them that they had 15 days to verify where they obtained my BK information from. according to FCRA 611 (a)(7)They said that they will be waiting for a subpeona. Link to comment Share on other sites More sharing options...
DocDon Posted August 23, 2005 Report Share Posted August 23, 2005 That's so funny. A $9 an hour desk jockey making legal decisions for a major corporation. What a loser. Link to comment Share on other sites More sharing options...
Methuss Posted August 23, 2005 Report Share Posted August 23, 2005 I just called again and told them that they had 15 days to verify where they obtained my BK information from. according to FCRA 611 (a)(7)They said that they will be waiting for a subpeona. Grant them their request. That phone monkey just put his employer in a position of WILLFUL violation. He flatly refused...so the penalties go up. Link to comment Share on other sites More sharing options...
beeboah Posted August 23, 2005 Author Report Share Posted August 23, 2005 I think that I should. I am pro se everything nowadays. Link to comment Share on other sites More sharing options...
beeboah Posted August 23, 2005 Author Report Share Posted August 23, 2005 mind you my BK is listed in "UK format" the date is British! Not american. I lived in the UK, I should know. Just more proof that they are obtaining info from Lexis - Nexis. Link to comment Share on other sites More sharing options...
beeboah Posted August 31, 2005 Author Report Share Posted August 31, 2005 EQ BK suddenly fell off of my report, just tried the same thing with EX who just told me over the phone that they are not required to substantiate proof that they have received information from me directly from the court....started blabbing some FTC statutes off to me.I thought I lost the battle with EQ, but I am guessing that we will see. Link to comment Share on other sites More sharing options...
YoUrFrIeNdMiKe Posted December 24, 2007 Report Share Posted December 24, 2007 you are enlightening us all in your questioning methods Link to comment Share on other sites More sharing options...
Amerikaner83 Posted December 24, 2007 Report Share Posted December 24, 2007 Mike - you know you bumped a thread that is over 2 years old....right? Link to comment Share on other sites More sharing options...
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