I love Equifax...'s stupidity

[xXTheRaverXx]

The other day I was asking Equifax to verify items on the credit report they are telling everyone that is mine. On the report were at least $5000 of debt with at least $1500 of that debt I knew that I had taken care of. So instead of losing my temper or hope, I simply rewrote the same exact letter requesting the following:

1) Proof of verification in the form of a notarized statement of a living soul with firsthand knowledge of the alledged debt testifying under penalty of perjury the validity of the debt

2) The name address and telephone number of the living soul who verified the debt

3) Certified copies of alledged evidence of alledged debt

Again they sent me the credit report stating that it was verified but attached to the credit reports were letters stating that they couldn't complete the "reinvestigation" because I didn't give them enough information. So I thanked them in advance for the $12000 plus damages that I would be receiving from them after I sent them copies of their OWN ADMISSION of FRAUD and INABILITY TO VERIFY THE DEBT, needless to say they sent me another credit report with all the errors magically wiped clean.

[Jerseee]

SJ,

This needs to be in the Success Stories section!!!

Congrats Raver!!!!

[seeker]

WOW!!! Great!

Seeker

Originally Posted by xXTheRaverXx

The other day I was asking Equifax to verify items on the credit report they are telling everyone that is mine. On the report were at least $5000 of debt with at least $1500 of that debt I knew that I had taken care of. So instead of losing my temper or hope, I simply rewrote the same exact letter requesting the following:

1) Proof of verification in the form of a notarized statement of a living soul with firsthand knowledge of the alledged debt testifying under penalty of perjury the validity of the debt

2) The name address and telephone number of the living soul who verified the debt

3) Certified copies of alledged evidence of alledged debt

Again they sent me the credit report stating that it was verified but attached to the credit reports were letters stating that they couldn't complete the "reinvestigation" because I didn't give them enough information. So I thanked them in advance for the $12000 plus damages that I would be receiving from them after I sent them copies of their OWN ADMISSION of FRAUD and INABILITY TO VERIFY THE DEBT, needless to say they sent me another credit report with all the errors magically wiped clean.

CONGRATS!!! I'VE RECEIVED LETTERS FROM TRANS UNION WHERE THEY SAY THEY WON'T REINVESTIGATE BUT THEN THEY SEND ME A REINVESTIGATION REPORT WHERE 1 OR TWO OF THE DISPUTED ENTRIES HAVE BEEN DELETED.
IT'S CRAZY BUT THAT'S HOW THEY OPERATE.

LET ME ASK YOU, WERE THESE OLD ACCOUNTS? WAS ANYBODY TRYING TO COLLECT ON THEM?
HOW DID YOU DETERMINE THE $12,000 AMOUNT? DID YOU THREATEN TO SUE IN SMALL CLAIMS COURT? THANKS.

[xXTheRaverXx]

Simple in the FCRA it states for every fraudulent entry that the CRA refuses to remove, you can sue for up to $1000 plus damages and attorney costs, since there were 12 items, and the fact they sent me documents stating they couldn't "finish the reinvestigation", it would have been a slam dunk case. It also helped that I found a brochure from one of the CRAs trade associations detailing the verification process. It will take me a while to find that web address but the brochure clearly states that if verification does not occur within the 30 days, the entry would have to be deleted or updated according to the dispute letter. Since I NEVER DISPUTE, and there's no verification items had to be deleted.

Originally Posted by PJT04

CONGRATS!!! I'VE RECEIVED LETTERS FROM TRANS UNION WHERE THEY SAY THEY WON'T REINVESTIGATE BUT THEN THEY SEND ME A REINVESTIGATION REPORT WHERE 1 OR TWO OF THE DISPUTED ENTRIES HAVE BEEN DELETED.
IT'S CRAZY BUT THAT'S HOW THEY OPERATE.

LET ME ASK YOU, WERE THESE OLD ACCOUNTS? WAS ANYBODY TRYING TO COLLECT ON THEM?
HOW DID YOU DETERMINE THE $12,000 AMOUNT? DID YOU THREATEN TO SUE IN SMALL CLAIMS COURT? THANKS.

[seeker]

When you find that brochure, post or download!!
It seems that each time we hit a wall, out of some where, from some one , comes a jewel that we can polish and add to our bag of tricks!!

Yahoo!

Thanks for your diligence!

Seeker

[xXTheRaverXx]

I found the website with the brochure, but the funny thing is that site is no longer up! NO problem since I attached the PDF of their brochure to the end of this post.

Hope this helps.
http://forum.suijuris.net/attachment...hmentid=&stc=1