sacase25 Posted January 18, 2008 Report Share Posted January 18, 2008 I have been really enjoying all the information on this site so I have been following the flowchart and the stickies. Today I recieved a letter back from EQ and it was curious for lack of a better work. I had disputed several things and only one item came back as "Equifax Verified that this item belongs to you". The other 5 accounts I disputed came back as "Adverse accounts that have been paid in full will automatically be deleted seven years from the date of last activity." Huh? So is it mine or not?Now here is where it gets interesting. One of the accounts if from Oxford Collection Agency. Now I have a letter from an attorney at Oxford that states that the Oxford has instructed all credit Bureaus to delete the account. He also sent me a Universal data form that shows that should be deleted.So my question is really two fold. Who do I go after, Oxford or the Equifax?And did they verify the accounts were mine? Link to comment Share on other sites More sharing options...
ShortBus Posted January 18, 2008 Report Share Posted January 18, 2008 Did you include a copy of this documentation with your dispute? Link to comment Share on other sites More sharing options...
sacase25 Posted January 18, 2008 Author Report Share Posted January 18, 2008 No, I figured that if they did their job right and actually checked with the CA, then they would get the correct information. Link to comment Share on other sites More sharing options...
ShortBus Posted January 19, 2008 Report Share Posted January 19, 2008 A judge is likely to ask you the same question I did. I'd recommend that you resubmit the dispute with the supporting documentation and see what happens. And if they still don't delete, try it again. And again. Maybe even call them. Approach it like you want to help them correct an error rather than looking for a way to kick their teeth in. Just make sure you document everything.If it sounds like you're actively trying to pick a legal battle without trying every other possible avenue first, you're likely to greatly annoy the court and weaken your case. But once you have reams of documentation and can prove that they are fighting you, don't hesitate to file suit. Link to comment Share on other sites More sharing options...
sacase Posted January 19, 2008 Report Share Posted January 19, 2008 No I have just had it with Oxford and Equifax, I have been dealing with this for over a year and it is very frustrating. I had someone from Oxford play phone games and only when I threatened to take legal action did they even respond to me. Link to comment Share on other sites More sharing options...
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