Equifax

My old bank that has been bought out by another bank had reported to Equifax that I owed $$. I disputed it with the old bank but it's still on my report. The new bank says they cannot help me.All I get is the run-around from everyone I've spoken to. If anyone knows how to resolve this PLEASE answer back.
- asked by blondiel

Answer #1
When you telephone them, keep pressing zero untila human answers. Good Luck.
- answered by veus

Answer #2
Keep pressing zero until you get a human. If itasks you to talk at any time, say operator.
- answered by LFG for bar

Answer #3
Who is a real person, is the person you see asreal and first, see yourself as a real person andyou will be talking to a real person and you willfeel free because of the reality of your mind. Itis not enough to just say you dont owe the saidamount, take your evidences and the evidences asyou take it to them decide the case even as i prayfor you to be given a hearing.
- answered by felly

Answer #4
listen to all the options, if at anytime it saysspeak with a csr, or dispute a charge, pick thoseoptions
- answered by mickey g



Answer #5
Equifax 866‑640‑2273 Press 3 0.
- answered by STEVEN F

Answer #6
Have you written them a letter?Send it registered,request a return receipt.Be sure it contains allthe facts and "copies" of any correspondence andreceipts.Give names of anyone that you've spokento, and dates.I've never failed to receive aprompt reply from letters.When a bank buys outanother, the new bank assumes all the debts andall the receivables from the old bank, just as abusiness does.If your new bank has no"receivable", a debt owed by you, then it must notexist.Tell them that.
- answered by edward I

Answer #7
Have you been to the Equifax website and obtainedyour FREE Credit Report? If you haven't then youwill need to do it. Just click on the "Login"link and create a free account. Just don't optfor any of the options that they want you to buyin addition to the freereport.
http://www.equifax.comHere is what they sayon their "Online Dispute" page down towards thebottom in the "Telephone" pane."A toll-free numberis listed at the bottom of your online EquifaxCredit Report.You must have your 10-digitconfirmation number to speak with a customerservice representative via telephone."
- answered by Dick

Answer #8
Trust me....you can talk to them all you want andit will NOT get the bad entry removed. What youneed to do is learn the law, and learn how the"game" is played. If you need help contact me.Forstarters, who ever posted the bad entry to yourreport is responsible for validating it (provingit's your debt). When you contact Equifax (bycertified mail, return receipt) you dispute theentry, and give a reason why you are disputing it. They have 30 days to contact whoever posted thisentry (ie, the old bank) and "verify" the debt. That simply means they are asking if the debt islegitimate, and it's your debt. Note that no realinvestigation ever takes place at this point. Ifthe bank does not respond back to this"verification" request, then the item must bedeleted from your credit report.If it is verified,then obviously somebody has to have records ofyour debt, otherwise how did they verify it?Yournext step is to send a "demand to validate" letterto whoever posted this to your account. Theaddress will be on your credit report. (It mustbe there because that is where the CRA contactedto verify the debt).When you "validate" a debt,you are demanding that they send you copies of allbills, receipts, contracts, and everything thatwas used to calculate what they claim you owe. They must show that you have a legal obligation topay this debt.If they do not respond back to thisletter, or the information is not sufficient toprove the debt, then send a second dispute letterto the credit reporting agency demanding to removethe debt due to "lack of validation".If it isstill listed after 30 days, you have now completedthe legal process required by the Fair CreditReporting Act. File a small claims suit againstboth the creditor and the credit reporting agencyfor $1000 each. If this bad record has caused youto lose a loan, or to pay higher interest rates,or any other damage, you can add that to yourlawsuit also. You will not need a lawyer to dothis. I did this several months ago and won $1200for my efforts. If more people would just educatethemselves on the law and fight these jerkycreditors, then it would go a long way in cleaningup the credit reporting business.
- answered by Studly