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Sent letter to equifax, score dropped 32 points! GERRRRRRR


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I had sent a letter to equifax about a collections account on my CR that I didn't recognize.

Initially I called NCO financial to find what it was about, and they showed no record of my SSN in their system, and advised me to dispute with equifax. So..2 weeks ago I sent the letter asking for more info about the account.

THis morning I check myfico scorewatch, and the account in question shows "bad debt/collection" since Jan 2005- untill now, which wasnt on there before. and it says "consumer dispute"

Why are they dropping my score and showing the neg. reports for monthly while doing an investigation? Will they adjust it if it comes back as not mine or un validated? Im so confused/rattled!

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