Recommended Posts

I am an American-born expat living in Peru.  All my personal debt is paid as agreed.

 

I am also the legal representative of an English Institute, which has a separate tax identification number.  There are three partners.  The business is not performing.

 

A few months ago, the business entered into a rental agreement.  It has paid 3 months but cannot pay the remaining 3.  The first two months I personally paid out of my own pocket.  Since there are three partners, I want my partners to pay for the other 4 months (2 each), but they have declined to do so.

 

The landlord has said that if I do not pay the debt, said debt will be placed on my Equifax credit report and will prevent me from getting credit.  I went today to Equifax, and the person there confirmed that this might indeed be so.

 

Since I am an American citizen, Equifax is an American corporation, the information is hosted on www.equifax.com, a U.S. domain name, and the information is often transmitted through the Internet, I believe that the matter is covered by the U.S. Constitution, which grants authority to Congress to regulate Interstate Commerce.  In short, I believe that the Fair Credit Reporting Act is in full force and that it covers this matter.

 

I entered an Equifax portal to determine how to dispute negative information, assuming that derogatory information may be placed against me in the future.  The portal asked for a 10-digit identification code.  However, the credit report I have in hand from Equifax does not contain a 10-digit code.  It contains a 15-digit operation number.

 

Any advice or information would be appreciated.

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.