Equifax fraudulently altered my credit report.

I subscribe to a credit score monitoring service (MyFico) that sends me email alerts whenever my score changes. It also allows me view full credit reports with analysis.

I check my email today and notice that my credit score has dropped 56 points! So naturally I log into MyFico to see what's up and it tells me that my score may have decreased for a few new reasons, one of which is a new collection.

New collection? Wtf, I've paid my bills on time for the past 7 or 8 years. So I tell MyFico run the full report. And I bring up the info on the collection. Hmm, something doesn't seem right. I pull up an old archived report that I ran May 2007 and compare the collection reported then to the collection reported now. See the title picture of this post.

Notice anything? It's the same collection from 7 years ago, but all of a sudden the "date active" and "date reported" have changed!

Is this country's economy in so much trouble that creditors are changing historical records in order to fuck us on interest rates? What's next, completely fabricated marks on people's credit scores?

I'm just so flabbergasted that records of a collection that was closed 7 years ago, water under the bridge, can come back and magically be altered with fraudulent information to drastically effect my credit score. I am so enraged about this that all I can think of is the ending to Fight Club.

So what do I do about this? Who do I call? I feel like a tiny ant being crushed by the gears of corporate America. I mean, what if I wasn't monitoring my credit score like so many other Americans don't? This little blip would probably slip under the radar and cost me tens of thousands of dollars in the long run (say, if I got a mortgage under the lower score). I want to hire a lawyer and sue Equifax.

For those wondering, my score now is 710 which does cause me to get worse interest rates compared to when it was 766.