First question I got is Are you upside down (negative equity) in your Lending Tree mortgage? Thanks for any response. 2nd question I got is.. There are stories all over the board about problems with Equifax verifying disputed information as correct. I suspect they are not really investigating disputes 80% of the time. They simply don't have the manpower to keep track of so many disputes. So they lie to consumers and wreck their credit..

Now it has happened to me :(.

I have been paying on my car loan for several years now and I am current. I have never been late. I just checked my credit report last month and found that my car was newly reported as.

3 months 30 days late!.

Now I knew this was a simple mistake that could easily be corrected so I didn't worry. The branch manager at my bank assured me it would be taken care of as soon as Equifax called to verify. He said, "Go ahead and dispute with them and I will send you a letter for your files.".

Here is the text of the letter dated March 7:.

"I understand your concern with the discrepancy on your credit report and I agree that this matter should be taken care of immediately. I have reviewed your account in detail, and have found that your account has never been 30 days late since it was opened with us. Please continue to take the appropriate steps with the credit bureau agency that is reporting this information inaccurately. We will continue to assist you in this matter...".

Equifax sent me a letter verifying the information as correct! I spoke with someone at my bank today (the branch manager is on vacation) and he said no one contacted them from equifax regarding my account. I tried once more to contact Equifax and dispute the verified dispute. I spoke with a nice lady who assured me she would repeat the investigation and someone would contact the branch manager directly. I am still upset because I feel Equifax did not actually investigate this incorrect info the first time. :(..