Can someone help me please!!!

[Frdtrtnfx4]

Back in Sept 2010, I got a letter from a collection agency about a credit card account that went to collections. I was dumbfounded, dont own a credit card. To make a long story short, my brother did it and was caught.... I have a letter from the collection agency and original creditor that says i am not responsible for this account and that they have contacted the 3 credit bureaus to have this account deleted from my credit file. Experian and Transunion, done deal account deleted. Equifax on the other hand, totally different story. I sent out a letter back on Jan 13 to them, here it is March 2, still haven't received anything back from them. I checked my credit report online and wouldn't you know it, the fraudulent account is still showing on my report. I called them and told them about this, and they said they would open another investigation, I told them there is nothing to investigate, I have a letter directly from the original creditor clearing me of this account. I faxed it to them and I am waiting to hear back from them. I am ready to talk to an attorney, someone is screwing with me, and I not very happy about it.

Just yesterday I got an email from Equifax claiming they verified the account belongs to me. I contacted the original creditor and told them about Equifax, they said they would contact them again to delete it and send me another confirmation letter. What is going on here????? What else can I do??

[Hal Jordan]

Sounds like you're doing everything you need to. Having the OC send them another letter is a very good idea and hopefully it will work.

If not the next step is to file suit against them.

[Lian]

All the creditor and debt collector have to do is report an account deletion with the CRA. That takes the CRA out of the picture. CRA deletion, when instructed to do so by the part who reported the information, is not discretionary on the part of the CRA.

If the OC or debt collector wont file a deletion code with the CRA, then the next step, in my opinion, is to force them to do so. Just file a direct dispute with them under FCRA 623(a)(8), That will require them to verify the accuracy of the account reporting within 30-days (which they have already told you they cant do). If they cant verify, the statutory burden is on them to timely report the deletion to the CRA. That is the hard-ball approach.

Keep the CRA out of the picture. They will usually just muck it up.