I contest a Crapital an account that I have. Curiously, Equifax able to review the bill like mine and get a letter to me within 5 days of my argument.
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rnDer reason I question is account activity on a map well into 2004. I'm not one that I ever used in '04. This is not the card I used. The credit is questionable?
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rnIch now wondering if this was a case of identity theft or just the CA-error and the fact there was nothing to no one is verfied. (Except that the record on Equifax database) What can I do now? I obviously can not send to disputes Eqifax if it falls on deaf ears.
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rnVielen Thanks for any help!
Reply:I think the CRAs ignore procedural requests. It will take a lot of lawsuits to change their attitude.
Reply:I agree,
your next step in your stratagy is to send a procedural request letter to the CRA. Make sure you send it certified with signature confirmation. let me tell you from experience, you may find yourself having to take it all the way to court.
If the CRA does not have a response to your procedural in your hand within 15 days then they must delete the trade line completly. Now this is where I ran into my problems. 15 days came and went without any response to my procedural. When I checked my credit report a month later the trade line was still there.
I sent a total of three letters to the CRA after the original procedural request and one ITS. After the ITS is sent and they still don't respond it is time to sue thier asses.
I just wanted to give you a heads up on where you might end up with your particular case.
Reply:You ask WQ for a detailed procedure of their reinvestigation. They have 15 days to give it to you.
If this is not yours, or you fear someone is using your card, you need to dispute with Crap 1. Be specific in your allegations. They have 30 days under the FCRA to investigate and report to you.
January 2nd, 2012 
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