I am in the process of battling with Equifax as we speak! I just filed a complaint with the FTC that I know was a waste of time. I have something on my credit report for the last couple of years that is not mine and have been trying to get it removed. Cavalry Portfolio, collecting for Americredit, is reporting that I owe a $9,000 debt. I don't! Well, as per FCRA guidelines, I sent Cavalry Portfolio and their collectors a certified letter asking for validation of the debt. According to the FRCA 15 U.S.C. Sec 168i(a), they have 30 days to provide me with validation or they must remove it from the credit report. What Cavalry's collection people sent me was validation for a completely different person. They sent me the retail contract AND credit application for somebody in Washington. They still refuse to remove it. So I have sent Equifax ALL the documents showing I requested the validation and provided Equifax with the incorrect documents that Cavalry sent me. As per the FCRA, it should be deleted. Well, 2 weeks later, I get an "updated" credit report from Equifax telling me the debt was remaining because it was VALIDATED!! HUH?! Did I miss something?! This debt MUST be removed because Cavalry used up their 30 days and didn't comply. And Equifax still refuses to remove it. So this $9,000 debt is still showing up on my credit report thanks to Equifax! This is outrageous!
Cavalry refuses to remove it. I just recently purchased a home and before I could get the mortgage, I had to have a 3-way conference call between me, the bank and Cavalry to see what the deal was. Well after hearing the nastiness of the Cavalry representative and hearing me state for a fact that they provided me with someone elses documents and after hearing the representative talk around it and NOT acknowledge it...I was granted the mortgage!!!!!
Regardless, this is still sitting on my credit report and will not be "removed" until 2009. This is ridiculous! How do they continue to get away with his even though they violated someone else's privacy by giving me that person's credit info?!