Correcting incorrect information at Equifax?

Question

How do I correct my name (which is firstname/lastname reversed) with Equifax. Their stupid website doesnt allow me to do this online. Neither the stupid folks list a customer support number on their website. Seems they demand membership to speak to their customer support.

Answer 1

You have to write a dispute letter.

Here is an example:

Date

Your Name

Your Current Address

Your Social Security Number

Your Drivers License Number

Complaint / Corrections Department

Credit Bureau Name

Credit Bureau Address

Dear (Name of Credit Bureau) Representative,

I am writing to dispute incorrect information on my credit report. Here is a list of the incorrect information:

1) List incorrect item(s).

This item is incorrect because (Did not own account / did not apply for account / was not late / give reason)

The incorrect item(s) are also highlighted on the attached copy of my report. I have enclosed copies of documents (payment records, court documents- whatever you have) that prove this item is inaccurate. I have also enclosed several documents as proof of my identity. Please review them and correct the information on my report as soon as possible.

Sincerely,

Your name

Enclosed please find:

(List enclosures)

By law the credit bureaus have 30 days to forward your dispute to your creditors and investigate your claims. If your creditors do not provide the bureau with proof that their claims are valid instead of yours, then the credit bureau must remove the information from your report.

Once the investigation is complete, by law they must give you the written results of their investigation and a free copy of your credit report.

OR

File a complaint with Better Business Bureau. That will get them working on it. They'll offer to resolve, that where you ask them to correct it.