How do I get my credit report corrected?
April 22, 2005 7:01 PM Subscribe
Since my wallet was stolen, I've been trying to get a particular inaccuracy on my credit report corrected with no luck. I have written to the company that owns my report using their own online dispute form and via snail mail. It's been 6 months and I don't know what else to do to get them to respond.
posted by melissa may to Work & Money (10 answers total)
Last November, I reported my credit card stolen immediately and the number was deactivated before any false transactions could take place. I was issued a new card and number by the same company, who promised to report the card as lost/stolen to the company that owns my credit report. My balance at the time was transferred to the new card.
The credit reporting company -- which is affiliated with Equifax, no less -- has never removed the old card with its old balance from my report. Because I was at the end of a lengthy business trip at the time and using it for large expenses, the balance was over 2k when it was stolen. So, according to my report, I have 2k+ worth of debt waiting to be paid off, when in fact it has long been paid off. This is lowering my FICO score significantly.
This company only one phone number on its site that is unusable because it only provides information on how to file a report, not customer service, which I sure as hell think should be illegal for a company that controls such vital information, so I can't call and talk to a human being. They've not responded to my several written requests. My credit company says they've provided the information to them and there is nothing more they can do to intervene. Despite that I purchased a year's worth of an expensive credit report update service from them, Equifax also will not intervene, but just punts me back to this same damn unresponsive company. I will shortly be making a purchase that will require my credit to be as solid as possible, so the situation has become urgent. How do I force them to clean up their act?