Pre-Hippa to Equifax - and they said accounts not on report, when in fact they are!

[jaded diva]

Just got back the response to my pre-Hipaa from Equifax for 3 medical accounts.

 

Equifax states none of the three are on my report, and they clearly are! What's interesting is, whoever

put in the information into their letter put the name of the accounts in lower case letters. (ex: IC Systems

showed ic systems) I hand wrote my letter, and it was capitalized correctly.

 

Is this some stall tactic? Should I resend the pre-Hipaa? I have the mailed copy of Equifax and just checked

online today and they are all still there for sure.

 

Help!

[Why Chat]

Just got back the response to my pre-Hipaa from Equifax for 3 medical accounts.

 

Equifax states none of the three are on my report, and they clearly are! What's interesting is, whoever

put in the information into their letter put the name of the accounts in lower case letters. (ex: IC Systems

showed ic systems) I hand wrote my letter, and it was capitalized correctly. Did you give the account #??

 

Is this some stall tactic? Should I resend the pre-Hipaa? I have the mailed copy of Equifax and just checked

online today and they are all still there for sure.

 

Help!

In THIS CASE ONLY, call Eq. use the # on their letter, ask to speak to a CSR. POLITELY explain the problem and ask for a correct updated report that reflects the actual results as stated in the letter.

[jaded diva]

I swear they send their calls to India.....

 

I very nicely tried explaining to the woman the situation. She kept asking "You like to reopen investigation?"

 

NO I want you to investigate according to the letter I sent. I even READ it to her. She says "Well yes, it is still on your report."

I said "Your letter said it's not". She says "But it is. Do you like to open fraud alert?"

 

WHAT??!!??

 

I very nicely asked to speak to a supervisor. She hung up on me.

 

Called back....got another clueless CSR from India. "You like to open a new investigation?"

 

Suggestions?????

[Why Chat]

I swear they send their calls to India.....

 

I very nicely tried explaining to the woman the situation. She kept asking "You like to reopen investigation?"

 

NO I want you to investigate according to the letter I sent. I even READ it to her. She says "Well yes, it is still on your report."

I said "Your letter said it's not". She says "But it is. Do you like to open fraud alert?"

 

WHAT??!!??

 

I very nicely asked to speak to a supervisor. She hung up on me.

 

Called back....got another clueless CSR from India. "You like to open a new investigation?"

 

Suggestions?????

OK, now you need to file a complaint with the FTC against Eq.

http://whychat.5u.com/hipaaftccomp.html

Make sure you state the problem CLEARLY, you properly disputed an unknown medical account that is ONLY appearing on your Eq. report, you received a letter from them (give dates on both) stating that the account does not appear on your report, the accompanying copy of your report showed that the account was still there. That you tried to get it resolved by phone and were disconnected. Eq is in violation of the FCRA and FACTA for improper reporting, improper response and failure to have a competant customer service department to handle the issue.

 

Make sure you print out, (or make a copy in word before filing the complaint) before you click enter on the FTC site, send a copy of the filed complaint to Eq with a cover letter explaining the problem.(include a copy of the letter you received from them stating the account was not on your report)

Edited November 5, 2009 by Why Chat