Equifax and Unknowns on my credit report

[QMAX21]

Hi everyone,

I pulled my credit report from www.truecredit.com and I looked at EQuifax and found that they had many unknowns on all of my positive activity while having all the negative stuff verified.

Ex.

Account

8/27/06 Reported

Individual

Payment history

Jan X Feb X

X = unknown in the table of contents. However, I found this letter and would like some feed back on it for it says that if they are reporting unknown stuff then it must be verified or must be deleted.

EQUIFAX FCRA VIOLATIONS AND FRAUD

by Thomas S. written to Equifax

Posted Sat September 28, 2002

I recently had a problem with the overall experience at your company, and I am writing in the hope that you can help me resolve this situation.

Equifax is wittingly and knowingly reporting fraudulent, inaccurate, incomplete, and unverified information.

CAP 1 BANK (Individual)

Acct # xxxxxxxxxxxxx

 According to my Credit Report provided 9/28/02 by Equifax via Score Power Credit Watch Services the following "Payment History" is being reported in violation of Federal Law and must immediately be removed from my report as being Incomplete, as well as Inaccurate in accordance with the Federal Fair Credit Reporting Act (FCRA).

 2 "Unknown" 30-day Late Dates

 1 "Unknown" 60-day Late Date

 1 "Unknown" 90+ day Late Date

May I remind you that you are obligated by Federal Law to observe my rights afforded me by the FCRA, as well as the Constitution of The United States of America, in which you are all currently guilty of Violating as referenced below:

FCRA Section 611(a)(5)(A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly delete that item of information from the consumer's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

If you are not able to report the dates of the lates, then the item of information is incomplete and must be promptly deleted.

By fraudulently reporting this grossly inaccurate

information, Equifax/CSC has wittingly and knowingly adversely affected my FICO score leading to my having to pay higher interest rates in order to obtain credit. Equifax/CSC has , in the past, and continues to violate my rights as a U.S. citizen, and is liable to actual, as well as punitive damages, due me.

It's very unlikely that I will ever use your company again, and I doubt seriously that I'll be recommending you to other people.

Here's what I'd like to see happen: If you are not able to report the dates of the lates, then the item of information is incomplete and must be promptly deleted. This would go a long way in making up for the trouble I've encountered.

Thank you for your prompt attention to this matter. I eagerly await your response.

-----------------------------

QMAX-This is the very same thing they are doing. They claim to have dates of things reported but they dont list all of my hard and accurate payments as OK on my report. They either mark it as X or leave it blank. This is wrong and I believe this lowers my credit score. They have the lowest of scores of the three for me.

COMMENTS WELCOMED PLEASE.

[Methuss]

Guy who wrote that letter is an idiot. Seriously. Don't use this as a framework for your own disputes. There are a number of flaws in this sample letter:

"May I remind you that you are obligated by Federal Law to observe my rights afforded me by the FCRA, as well as the Constitution of The United States of America, in which you are all currently guilty of Violating "

#1. The constitution has nothing to do with credit reporting.

#2. Only a court may determine guilt of violating a law.

"Equifax/CSC has wittingly and knowingly adversely affected my FICO score leading to my having to pay higher interest rates in order to obtain credit."

#3. If you don't have proof of being charged higher interest then the accusation is false.

#4. "wittingly and knowingly"; hardly. The bureaus don't know what's in their files until a consumer points out an error. As a first complaint, such an accusation is without merit.

"It's very unlikely that I will ever use your company again, and I doubt seriously that I'll be recommending you to other people."

#5. Empty threat. It's not the consumer's choice which bureaus the lenders pull their data from. You will use them by proxy as long as you and they exist. Get over it.

This letter probably got about as far as the shredder. Agressive, threatening letters like this don't get results. Yes the bureaus do have to identify the date of the lates (month/year) to include them. But they are not obligated to remove the information from the file if they correct the dates. They would only be obligated to remove the lates from the file history if they are unable to identify the month/year in which they occurred.

[QMAX21]

Hi,

I reviewed the letter and won't use it, so my question is this:

If Equifax only reports negative stuff as being oK but doesn't report any of the positive things, but only as Unknown, I'm sure this will hurt my credit score. Yes or no?