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She said hold then switched over to a number and it dialed and had a message stating the number was no longer valid.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

Just found out some interesting news about my student loan…

Mar 182011
 

Just got off the phone with a servicer of one of my student loans….

 

A loan that I thought I would be entering into repayment on soon…. is still in In-school status!!  Deferment baby!!!

 

I graduated from U of Minnesota last year with 37k in in student loans.  24k of that was Federal loans which I was able to defer since I’m now in graduate school (22k of which is subsidized).

 

The remaining 13k was with the SELF Loan program through the Minnesota Dept of Higher Education.  I was told previously by a phone operator from Firstmark Services, the servicer of my SELF Loan, that I could not defer it during graduate school because University of Iowa was not a participating school in the SELF loan program.

 

Found out today, though….. they are!  So now all my loans are deferred during grad school.  That’s another 4-5 years  (average time to complete my program is 5.5 years).  I also found out that when I finish my PhD program and I go onto Post-doctoral studies for 3-5 years, I can defer then too!

Wow. Almost 10 years of ignoring my loans!

 

But.  Unfortunately… this news doesn’t really change anything… because interest will still collect on the SELF loan so it’s on my hit list to pay off before I leave graduate school anways.   But it does feel good knowing that I don’t have to pay it off right now.  :smileyvery-happy:  Now I won’t feel guilty when more money dumps into my Roth IRA each month than into paying off that loan. 

EX – why do you take so long for something I think is obvious?

Mar 042011
 

I recently disputed some personal info on my reports.  I asked them to delete an old address (they had “10″ for the apartment number, not “104″ – well, they had 3 listings for this address, one without the apartment number, one with the 10, and one with the correct number), delete a phone number I no longer have, and to delete a name that isn’t mine.  It’s a common misspelling.  I didn’t ask them to delete any of their other versions of my name – they had me as Firstname Lastname, Firstname Middle Initial  Lastname, Firstname Middlename Lastname, and as Firstname Middle Initial Misspelled Lastname.  Why can they so easily fix the address and the phone number but I can’t seem to even find out if they’re going to delete the wrong name? 

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