<\/p>\n
Two months ago I saw there was a collections account on my credit report, not mine and I immediately tried to contact collections agency, got nowhere. They kept saying they'll look into it. After a week I started leaving voice mails, never got a call back or any resolution.<\/p>\n
I called Equifax to file a dispute. I got the form, filled it out and after a week called only to be told it expired and to do it again. Second try ended with the same result and third finally got accepted and they said they'll investigate. <\/p>\n
I called after 2 weeks and was told that the collection agency didn't respond to Equifax request so they can't remove the entry. <\/p>\n
Equifax rep also asked me to submit a proof that this collection isn't mine – how can I prove that it isn't mine when it's not mine, I have never had collections or had any dealing with the original Creditor (a car dealership in Calgary, I've always lived in ON).<\/p>\n
It's extremely frustrating that nobody wants to do anything. So it's enough for collection agency to ignore Equifax and that means this error can't be fixed? <\/p>\n
I asked Equifax what kind of proof I could have that this isn't my account and they said perhaps a statement of Account that I paid it off – well it's not my account, I never dealt with that dealership. <\/p>\n
I did call dealership too but they were pretty rude, only said if a collection account has been sold they're done with it. I called again and spoke with someone else, asked to check if they have my name as a former customer anywhere (didn't say why at first) and was told no. Then when I explained everything and asked for then to send me a letter saying that they hung up.<\/p>\n<\/p><\/div>\n
submitted by \/u\/Michelle_H_MMH <\/a> Two months ago I saw there was a collections account on my credit report, not mine and I immediately tried to contact collections agency, got nowhere. They kept saying they'll look into it. After...<\/p>\n","protected":false},"author":1,"featured_media":24127,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":[],"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[10],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/posts\/26756"}],"collection":[{"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/comments?post=26756"}],"version-history":[{"count":0,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/posts\/26756\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/media\/24127"}],"wp:attachment":[{"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/media?parent=26756"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/categories?post=26756"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.andrewwbradley.ca\/index.php\/wp-json\/wp\/v2\/tags?post=26756"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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