Success at last.  As I've written in my previous posts, CIBC had changed an activity date on my SL and brought it up on my credit report a year past its removal date.  Additionally, CIBC had put me in collections while I was still a full time student, after having supplied the paper work to attest to the fact, and did not bother contacting me for years...I had been paying back a student loan which I thought had encompassed the CIBC loan, it didn't, I was just paying the governmnet portion.  This is not on my credit report.

 

After CIBC changed the date to reactive it on my credit report, I wrote and called Equifax, to no avail.  I was informed, since CIBC is a "client" their word is enough and they don't need to document what they report to Equifax.  I was also told that the last date of activity on my credit report, which was 12/00 for 7 years, was actually the last date I took out the loan.  Not, as I assumed, the day CIBC defaulted my loan.  Equifax asked me to prove my "theory".  And I couldn't, since I needed information from CIBC and they would not discuss my loan with me.

 

So I wrote to the CIBC and general Banking Ombudsman and to a Consumer Financial Agency....the agency informed me that I am entitled not just to the credit report from Equifax but all the information and documentation which supports it.  The Banking Ombudsman informed me that the office will not act till CIBC's Ombudsman resolves the matter.  And CIBC called me and in a matter of fact told me to call the collection agency.

 

So I wrote to Equifax again, I referred to my previous communications, telephone and mail, with them, and asked for the CIBC SL entry on my credit report to be removed.  I provided my loan agreement dated 01/00, not 12/00 as CIBC had it my report.  I provided evidence to show it had disappeared from my credit report until the dates were doctored.   And so...

 

Nothing happened.  I didn't receive one of those we'll contact you soon letters Equifax usually sends out.  Instead,  about a month after sending my paper work in, they sent me my new "requested" (not) report and the entry I had disputed was not there.

 

I don't know whether it was  my complaints to Equifax or the CIBC Ombudsman that did it.  But it's done...

 

I'm so happy.

 

My advice, if you feel you're in the right, then do everything to prove that you are.  While this entire process was underway my father, on numerous occassions, offered to lend me the money to settle this account, so as to remove it from my  credit report.  I always refused, though I knew I would not have to pay him back, because I also knew I was in the RIGHT!!!!!!!!!