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CRA (Equifax) Dispute Results - Mixed


The last post in this topic was posted 3503 days ago. 


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Okay, after sending a nutcase letter to Equifax, I got them to delete a collection account and drop all previous addresses and names. I had asked for deletions of several accounts, including 8 student loan (Dept of Ed/Sallie Mae) accounts if they could not be validated. I knew there was no info available on those loans because I called Sallie Mae ahead of time and, besides my name, account number, and loan amounts, they said they had no more information. So, Equifax leaves it on there and says, among other things:


- We have verified that this item has been reported correctly.

- There is no historical account information currently on this account.

(I asked for this because the payment history chart was showing no data)

- This creditor has verified to OUR company that the terms are reporting correctly.

- Prior payment history and status are reporting correctly.

- Additional information has been provided from the original source regarding this item.


My question is, how can it be reporting correctly if there is no historical account information? Aren't they required to provide me with this info if I ask for it? I did ask for it "as required by the FCRA" in a written dispute sent CMRRR. I specifically asked for payment history. Does their failure to do so violate Sec 611 of FCRA?


Thanks in advance!



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  • 1 month later...




I just got the same thing on some student loan account I disputed.


This sounds like it might be a good thing in disguise. How could they "verify" the info is correct when they data is not there? They just took their word for it huh?



Anybody else have this response?

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Sorry, I forgot to say that I did send another dispute letter in between starting this thread and now. The letter basically asked WTF on the "no history" but "is reporting correctly" and blatantly asked how that could be and accused them of fabricating information. Following THAT letter is when everything fell off, although the results they sent didn't indicate anything was done...weird.

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Try this. Equifax lists the date of removal, if it is not on your report ask them in writing for that date. If they don't have it and can't get it then it sems to me they would have to delete it.

EQ doesn't list that date on reports anymore. EX and TU still do.

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