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My impression is that the other 2 agencies actually read my supporting documents and changed the information whereas Equifax has some kind of standing policy where they only respond if it's the lender who writes them? The others accepted my paperwork and, in the case of TransUnion, updated my report in 24 hours.
I had an issue like this regarding a GMAC inquiry I didnt authorize. I had a letter from GMAC saying they would remove it and despite that, EQ refused to remove it saying the creditor responded it was valid. I spoke to the GM of the dealership who said there was no such response on their end. EQ just needs to be sued that is the only way you can get anywhere with them in some instances. I wasnt willing to do that over an inquiry but I will do it if they dont update my student loan balance!
I filed a complaint sent documentation and proof twice to Experian and Equifax and still no change
I wonder if we can sue them
File a complaint with the cfpb stating what's going on. They'll get it done for you.