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  1. The cfpb is a joke, they are just mediators in my case. They basically provided responses from the opposing parties. Equifax verified my last letters, they asked for social and id which I provided then they asked me to go in further detail about my dispute. As if they have no clue what is going on. I mean I can dispute again with equifax, but I don’t know what recourse I have. Since I have already sent them the letters you suggested.
  2. Looks like I’ll be stuck with this til it falls off. I have already disputed, filed cfpb complaints, I doubt equifax will investigate it again. This is my only JDB on my reports. Which it’s only reporting to equifax. Ill be glad to contribute to a charity.
  3. Debt company responded, they said they are not required to respond to my dispute because I originally disputed with them in dec 2015 and they responded Jan 7 2016. They attached the the letter and documents supporting their claim. So so do I try and pay OC or what?
  4. Update! So after sending my driver license and social security card in to Equifax, i received a results letter. The letter date July 26 stated that i need to, "Please be specific with your concerns by listing the account names, numbers and the nature of the dispute" I did not respond to the JULY 26 letter. So on Aug 9, i received my results from the CFPB, it basically said that, Equifax verified that the debt belongs to me, yada yada yada. So what do you suggest my next steps be? Thanks!
  5. Equifax sent me a letter asking for identification, they want a copy of my license and SSN. Should i provide them with this? They say they can't locate the information, i am referring to without it.
  6. Ok, i will continue to wait until the disputes/complaints are closed. Thanks WhyChat
  7. Update! Equifax sent me a letter stating the account was verified and modified, but remains. The CFPB complaint is still open, and they said that Equifax is still working to resolve my issues, and that it could take up to 60 days. Is this normal?
  8. How does this sound? I sent Equifax a dispute on or about April 17, 2019, regarding an unknown medical collection account being reported by CBHBC, LLC Account# *******. According to my records they received that dispute on April 18, 2019. In this dispute I requested name(s), address(es) of the medical provider(s), the date(s), and type(s) of service, and to whom the service(s) were provided. Equifax failed to do this as requested. They stated the investigation could take up to 30 days; I received those results of that investigation on May 2, but dated April 25. . Those results revealed that the item in question was VERIFIED. I then sent a follow up letter to Equifax on May 24, in which they received it on May 25 according to my records. My follow up letter stated that i had disputed an unknown medical account with collection agency, as per their instructions and had received no valid response. I asked them to advise me to the name and address of the health care provider, the name of the patient, and the reported date of service, as any account i might have had at one would be obsolete. I asked them to provide the name of the person providing this data and the manner in which was provided, in case i pursued additional legal remedies. Equifax failed to do the following, and verified the unknown medical debt twice. They are continuing to report and refuse to delete the account in question.

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