Hello Everyone,
I recently disputed some lates on a student loan with Equifax they were removed as a result of my dispute. These lates were later re inserted without me receiving any letters from Equifax. I sent the following letter to them.
To Whom It May Concern:
On September 15, 2009 I received a letter of investigation results from my file. In this letter the following account was researched and the prior paying history was deleted:
Creditor etc etc....
On a subsequent request for my credit report dated January 11, 2010 I noticed that the same account mentioned above has now been reinserted into my credit file yet again.
This letter shall serve as written notice that you have violated my rights under the FCRA Section 611
Specifically:
(i) Certification of accuracy of information. If any information is deleted
from a consumer's file pursuant to subparagraph (A), the information
may not be reinserted in the file by the consumer reporting agency
unless the person who furnishes the information certifies that the
information is complete and accurate.
(ii) Notice to consumer. If any information that has been deleted from a
consumer's file pursuant to subparagraph (A) is reinserted in the file, the
consumer reporting agency shall notify the consumer of the reinsertion
in writing not later than 5 business days after the reinsertion or, if
authorized by the consumer for that purpose, by any other means
available to the agency.
I have received no such notice from you regarding the reinsertion of this item into my credit file. I will state again you have blatantly violated my rights under the FCRA.
As such I am giving you 10 days from receipt of this letter to delete the item mentioned above and bar it from being reinserted again. Do not disregard this letter as if I have not gotten confirmation from you that this item has been deleted I will use whatever means available to me as a consumer protected under the FCRA to achieve full resolution
Your urgent attention to this matter is appreciated.
Sincerely,
Me.
Today I received a reply from Equifax and it said The results of our reinvestigation then is says account verifiable and it lists my account history with the lates still there. It seems like they totally ignored or did not even read the content of my letter i am stuck on what to do next any suggestions would be greatly appreciated.
