I'm in Colorado.
The basics. I've been getting the run around from Equifax when requesting my credit report. This happened in 2001 and 2002, I eventually gave up. They didn't like anything I sent them as proof of address.
Now, I've been declined a mortage for $180,000 due to inaccurate items on my credit report. I'm not playing their game any more.
Now that we have the basics, let's get down to the specifics and end up with my question.
8/11/03 Mail letter to Equifax requesting credit report because mortgage for $180000 was declined and I beleive there are inaccuracies on my credit report. Included copy of pay stub with name, address and SSN... everything else with the exception of my employers name blacked out. Also included is copy of electric/gas bill (again everything except my name. address, util companie's name and account number) blacked out.
9/05/03 Call Equifax. Told that the have not received my letter. Ask for fax number. Fax in request again, with pay stub and water bill, same black out of other info.
9/8/03 Receive letter from Equifax telling me that the information I provided does not meet thre requirements for proof of identity or address. Letter dated 9/4/03.
9/8/03 Part 2 Send another fax to Equifax, quoting their letter of 9/4/03 where they say what I need to send to prove who I am and where I live, and pointing out that I sent those items on 8/11/03. ALso state that I want someone to call me back at my cell or email me or I consult an attorney for action under the Federal FDCPA and FCRA and the Colorado FDCPA.
Needless to say I have not heard back from them. I know they broke the the FDCPA, FCRA and the Colorado FDCPA.
I'm done playing with Equifax. What I want is to have an attorney sand them a demand for XXX dollars by XX date or a lawsuit get's filed.
Questions:
Am I being unreasonable?
I WANT to sue them. Do I have a case?
How much is a reasonable amount to sue them for before legal fees?
Comments, thoughts, etc appreciated.
The basics. I've been getting the run around from Equifax when requesting my credit report. This happened in 2001 and 2002, I eventually gave up. They didn't like anything I sent them as proof of address.
Now, I've been declined a mortage for $180,000 due to inaccurate items on my credit report. I'm not playing their game any more.
Now that we have the basics, let's get down to the specifics and end up with my question.
8/11/03 Mail letter to Equifax requesting credit report because mortgage for $180000 was declined and I beleive there are inaccuracies on my credit report. Included copy of pay stub with name, address and SSN... everything else with the exception of my employers name blacked out. Also included is copy of electric/gas bill (again everything except my name. address, util companie's name and account number) blacked out.
9/05/03 Call Equifax. Told that the have not received my letter. Ask for fax number. Fax in request again, with pay stub and water bill, same black out of other info.
9/8/03 Receive letter from Equifax telling me that the information I provided does not meet thre requirements for proof of identity or address. Letter dated 9/4/03.
9/8/03 Part 2 Send another fax to Equifax, quoting their letter of 9/4/03 where they say what I need to send to prove who I am and where I live, and pointing out that I sent those items on 8/11/03. ALso state that I want someone to call me back at my cell or email me or I consult an attorney for action under the Federal FDCPA and FCRA and the Colorado FDCPA.
Needless to say I have not heard back from them. I know they broke the the FDCPA, FCRA and the Colorado FDCPA.
I'm done playing with Equifax. What I want is to have an attorney sand them a demand for XXX dollars by XX date or a lawsuit get's filed.
Questions:
Am I being unreasonable?
I WANT to sue them. Do I have a case?
How much is a reasonable amount to sue them for before legal fees?
Comments, thoughts, etc appreciated.