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Disputed with EQ, Weird Situation


TSorad
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I recently phoned Equifax about disputing a charged off account on my report. I tried disputing like 10 times with different reasons but still came back verified. So this time I phoned them and provided a phone number to call and verify. So they called but Victoria Secret said they don't verify to 3rd parties and EQ said they won't delete it. I asked them if they won't verify then it should it be deleted? They said since they won't verify over the phone then they will just have to do it electronically, which I'm sure will come back verified.

Anything I can do? It is only reporting to Equifax as 120 days like (for 3 years now) other 2 say charged off

Can they still report me 120 days late after the account was charged off in 2002? How can they report late payments when I haven't paid in years?

Account No.: 8652741786527**** 86527**** 26177586527****

Condition: Derogatory Derogatory Derogatory

Balance: $383 $383 $383

Type: Charge account Charge account Unknown - credit extension, review, or collection

Pay Status: Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff

Late Payments (last 7 years):

TransUnion Experian Equifax

days late: 3 0

days late: 3 0

days late: 9 24

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I recently phoned Equifax about disputing a charged off account on my report. I tried disputing like 10 times with different reasons but still came back verified. So this time I phoned them and provided a phone number to call and verify. So they called but Victoria Secret said they don't verify to 3rd parties and EQ said they won't delete it. I asked them if they won't verify then it should it be deleted? They said since they won't verify over the phone then they will just have to do it electronically, which I'm sure will come back verified.

Anything I can do? It is only reporting to Equifax as 120 days like (for 3 years now) other 2 say charged off

Can they still report me 120 days late after the account was charged off in 2002? How can they report late payments when I haven't paid in years?

Account No.: 8652741786527**** 86527**** 26177586527****

Condition: Derogatory Derogatory Derogatory

Balance: $383 $383 $383

Type: Charge account Charge account Unknown - credit extension, review, or collection

Pay Status: Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff

Late Payments (last 7 years):

TransUnion Experian Equifax

days late: 3 0

days late: 3 0

days late: 9 24

Who's reporting, the OC or a CA?

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The original creditor is reporting it was in collections a while ago and now was sent back.

They haven't sent me a letter in years and when I called and asked for a pfd they said it wasn't possible. It is due to fall of in June/July 08 but I have to pay it for being shipped to Army Basic Training in January.

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The original creditor is reporting it was in collections a while ago and now was sent back.

They haven't sent me a letter in years and when I called and asked for a pfd they said it wasn't possible. It is due to fall of in June/July 08 but I have to pay it for being shipped to Army Basic Training in January.

I think they can report 120+ late until either you pay it or it become obselete even if it was CO. Not 100% on that, but here's another bump.

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