Whom do I report to take a legal action against a credit bureau?
jagan13 asked:
I am having trouble with the Equifax Credit Bureau.They are not updating my current address on my credit file though I applied for credit from my new address which eventually changed the address on my credit file in Experian and Transunion.I also have faxed them a proof of my current address with a copy of my photo ID and also a letter clearly requesting them to update my address.I am having a lot problem lately for renting a car or leasing an apartment and almost everything that involves a credit check and every commercial organization request a credit report from Equifax which in my case they are not able to get because of the outdated address on my file.
I am having trouble with the Equifax Credit Bureau.They are not updating my current address on my credit file though I applied for credit from my new address which eventually changed the address on my credit file in Experian and Transunion.I also have faxed them a proof of my current address with a copy of my photo ID and also a letter clearly requesting them to update my address.I am having a lot problem lately for renting a car or leasing an apartment and almost everything that involves a credit check and every commercial organization request a credit report from Equifax which in my case they are not able to get because of the outdated address on my file.
July 4, 2009 at 7:36 PM
July 5, 2009 at 8:48 PMMichael
Try this –
It is the Federal Trade Commission…I think you can file a complaint with them…
#2
July 5, 2009 at 10:34 PMecho
If it has been longer than 35 days (if you are using a paid report) -or longer than 50 days (if you used the free FACT-Act reports), since you have done your personal information dispute with Eq. then I agree with Michael, file a complaint with the FTC. Also file a complaint with your states attorney general.
The times that I listed are the legal time periods for the credit bureaus to handle any disputes etc on your reports. So if it has not been that long since you tried to update your personal info, wait until it is before you file complaints.
But, it doesn’t stop with just filing the complaints.The FTC usually doesn’t do much unless they have a bunch of complaints. Even though they usually don’t do much, just filing the complaints gets things done.
After you file your complaints, send Equifax copies of the complaints you had filed and demand that they update your info.
The bureaus usually comply with requests after you show them you had made those complaints.
#3
July 6, 2009 at 5:36 PMSexyTrojan
Federal Trade Commission -
When you mail the credit bureaus letters, make sure they are return receipts, otherwise, you never mailed a letter.
You can go to Equifax online and update your address.
#4
July 6, 2009 at 9:50 PMJacque w
I hate to be honest, but your credit file is based on information received from credit applications you authorize.
You cannot be denied credit due to a address listed incorrectly. Your credit report gives a warning that “current address does not match address in file”. You may have a CREDIT ALERT “started by the 3 CBC, that requires the people who run your credit verify you are the person you say you are.
#5
July 8, 2009 at 4:08 PMjelloshotz_dot_com
I would have a lawyer write a letter to the credit bureau. I be that would help.
#6