Equifax says they do not have to reply to MOV only the creditor has to

Mar 222011
 

After a year of fighting with EQUIFAX. I’m ready to sue over this account.

 

I wrote several letters and phone calls to them explaining it was not mine and after the 7th letter of verified, I am ready for a lawsuit because in the last two months they did not reply to the MOV after I requested this information in writing TWICE and they did not reply at all.  

 

Both I sent certified mail and both were allowed 30 days to pass when they should only get 15 days max according to FCRA laws.

 

I contacted by phone the outsourced dept who for 3 hours gave me a run around and then finally I asked to speak to the english speaking dept in Atlanta GA in USA who might be able to resolve this issue.

They then transferred me to a rep in Atlanta and they spoke english WOW …the front end clerk who states they do not have any such law and I need to get the method of verification through the original creditor and she’s been working for EQ for many years and this is not a law. I kept referencing the FCRA and ordered to speak to a supervisor because she clearly didn’t understand the laws.

 

I was then transferred to FRAN the front end clerk’s supervisor in the FRAUD dept who stated the same exact thing … it was not until I stated that I was going to sue equifax that she said please hold while I transfer you to the consumers affair dept because your threating to sue.

 

I then spoke to Mrs Anders who stated that they physically go to the court to verify that information but refused to send me the method of verification in writing so I told her I called the court house and they have no such judgement on file.

 

She said she would go on three way and call them I said let’s do it  

 

She said hold then switched over to a number and it dialed and had a message stating the number was no longer valid.

 

She asked me which number I called and I said I refused to help her find a phone number when she should have all the information on file and in the process her company stated they verified it.

 

She then stated she would find a phone number and call me back I said ok here’s my number I’ll be waiting…

 

I doubt they will even call back prob glad to get me off the phone but I said the next process is to file a federal law suit against your company for negligent or willful non-compliance.

 

Has anyone experienced such ordeal with Equifax phone rep’s?

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