Frdtrtnfx4 Posted March 4, 2011 Report Share Posted March 4, 2011 --------------------------------------------------------------------------------Back in Sept 2010, I got a letter from a collection agency about a credit card account that went to collections. I was dumbfounded, dont own a credit card. To make a long story short, my brother did it and was caught.... I have a letter from the collection agency and original creditor that says i am not responsible for this account and that they have contacted the 3 credit bureaus to have this account deleted from my credit file. Experian and Transunion, done deal account deleted. Equifax on the other hand, totally different story. I sent out a letter back on Jan 13 to them, here it is March 2, still havent received anything back from them. I checked my credit report online and wouldnt you know it, the fraudulent account is still showing on my report. I called them and told them about this, and they said they would open another investigation, I told them there is nothing to investigate, I have a letter directly from the original creditor clearing me of this account. I faxed it to them and I am waiting to hear back from them. I am ready to talk to an attorney, someone is screwing with me, and I not very happy about it. Just yesterday I got an email from Equifax claming they verified the account belongs to me. I contacted the original creditor and told them about Equifax, they said they would contact them again to delete it and send me another confirmation letter. What is going on here????? What else can I do?? Link to comment Share on other sites More sharing options...
Me2 Posted March 4, 2011 Report Share Posted March 4, 2011 I would definitely consult an attorney. Most will give you a free consultation and will only charge if you have a case they want to take. It certainly sounds like you have a good case. Also, you can send your proofs (letters from the OC, police reports on the ID theft, etc.) for inclusion in your credit report. Link to comment Share on other sites More sharing options...
momof5 Posted March 7, 2011 Report Share Posted March 7, 2011 Send EQ an ITS. You'll end up in "special handling" but quite often...that is a good thing. Essentially you have 1 person IN THE US assigned to deal with your CR. They can see what you have, acknowledge it and delete it all in the same day. Link to comment Share on other sites More sharing options...
Frdtrtnfx4 Posted March 7, 2011 Author Report Share Posted March 7, 2011 What is an ITS and where can i find one? Link to comment Share on other sites More sharing options...
BV80 Posted March 7, 2011 Report Share Posted March 7, 2011 ITS-Intent to Sue. It's a letter telling them you're going to sue if the matter is not resolved. Don't send it if you don't intend to follow through. Link to comment Share on other sites More sharing options...
Frdtrtnfx4 Posted March 7, 2011 Author Report Share Posted March 7, 2011 I fully intend to sue if this isnt resolved. Someone is bs ing me. I have spoke with several lawyers already. Where can i find a good ITS sample letter? Link to comment Share on other sites More sharing options...
workingpoor Posted March 7, 2011 Report Share Posted March 7, 2011 Where can i find a good ITS sample letter?The best one will come from the heart. Hopefully you got names of all the People you talked to at the CRA. Mention them. Mention the FCRA and definitely throw in a nice dollar amount to get their attention. Minimum $1,000. Give them a deadline, 72 hrs or so, to correct the problem. Link to comment Share on other sites More sharing options...
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