Experian reinvestigation - Credit Repair Forum from Creditnet
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  1. #1
    WhiteZone is offline Banned
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    Mar 2004
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    Experian reinvestigation

    How do you deal with Experian's previously investigated response? I have complained to the FTC, the BBb, and my AG, but nothing is ever resolved. I even waited 4 months and Experian will not reinvestigate. They claim that the creditor has responded and said that the item remains. Any advice.

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  3. #2
    jlynn is offline Senior Member
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    Experian reinvestigation

    Have you requested procedures?

  4. #3
    jam237 is offline Senior Member
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    Experian reinvestigation

    even if you request procedures, their only response is the general procedure that "when you dispute an entry on your credit file"...

    If they respond at all...
    --
    jam
    An educated consumer.

    Daniel Webster: You seem to have an excellent acquaintance with the law, Sir.
    Scratch: Sir, that is no fault of mine. Where I come from, we have always gotten the pick of the Bar.
    The Devil and Daniel Webster, Stephen Vincent Benet

  5. #4
    jam237 is offline Senior Member
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    Experian reinvestigation

    How are you disputing?

    As a standard not-mine, or is it a well evidenced dispute that requires more personal processing?

    There is a major difference.
    --
    jam
    An educated consumer.

    Daniel Webster: You seem to have an excellent acquaintance with the law, Sir.
    Scratch: Sir, that is no fault of mine. Where I come from, we have always gotten the pick of the Bar.
    The Devil and Daniel Webster, Stephen Vincent Benet

  6. #5
    WhiteZone is offline Banned
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    Experian reinvestigation

    I disputed them as not mine the first two times and they were verified. During the four month period after that I requested reinvestigation after reinvestigation and they refused. All they could tell me was that the creditor responded and these accounts remained. But last week I talked to a lady at Experian and she finally did reinvestigate four accounts for me because the SOL's had expired on them. She said they would contact the creditor and ask that they be removed. But I still have six other accounts on my credit report and she would not reinvestigate those. I just don't know what to do. I am so fed up with these people. And even if you request a procedural they'll just come back with the standard response as always. So that does not work.

  7. #6
    WhiteZone is offline Banned
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    Experian reinvestigation

    bump

  8. #7
    Butch is offline Senior Member
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    Re: Experian reinvestigation

    Originally posted by WhiteZone
    But last week I talked to a lady at Experian and she finally did reinvestigate four accounts for me because the SOL's had expired on them. She said they would contact the creditor and ask that they be removed.

    Hi Whitezone.

    I assume by "SOL" you mean the 7 year reporting period? CRA CSR's don't get into the SOL's for collections for each state. Am I correct?



    But I still have six other accounts on my credit report and she would not reinvestigate those. I just don't know what to do. I am so fed up with these people. And even if you request a procedural they'll just come back with the standard response as always. So that does not work.

    A little at a time WZ.

    The only reason time exists is to keep everything from happening all at once.

    lol



  9. #8
    WhiteZone is offline Banned
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    Mar 2004
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    69

    Re: Experian reinvestigation

    Anybody have any suggestions on how do deal with this? Has anybody on this board been able to get Experian to reinvestigate the same item more than twice? If so, how did you do it?

  10. #9
    jam237 is offline Senior Member
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    May 2003
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    Re: Experian reinvestigation

    The best way to conquer any negative trade line is to get a paper trail against them...

    If they say two contradictory statements, you now have documentation to prove that they are unreliable, then you have a solid reason to oppose their data.

    Luckily, a lot of companies are in such a hurry to provide information that getting them caught in saying one thing, when they mean another is quite easy to do.

    Most CRA's will reject the same dispute if it is made repeatedly without new documentation. You may be able to get it investigated once, or twice, maybe a few times more than that. There are exceptions to the rule, but you need to have a little bit of variety.
    --
    jam
    An educated consumer.

    Daniel Webster: You seem to have an excellent acquaintance with the law, Sir.
    Scratch: Sir, that is no fault of mine. Where I come from, we have always gotten the pick of the Bar.
    The Devil and Daniel Webster, Stephen Vincent Benet

  11. #10
    jam237 is offline Senior Member
    Join Date
    May 2003
    Posts
    3,484

    Re: Experian reinvestigation

    If the company is a CA; you may be able to try working with the OC. I had a CA which repeatedly verified the account with EX dispite the OC calling the CA and telling them that the account didn't exist...

    Eventually I had to huff & puff, and threaten the OC with a suit, just to never hear from me again he asked for a fax # for EXP so that he could fax them a letter, then to interlock that into a dispute, I requested an OC investigation through EXP (this way the fax would appear to be in response to the verification request); and I get a copy of the results report.

    Like I said, it takes time, planning, and creativity.

    Every account is different, you need to tailor your attack based on all of the information you have about the account.
    --
    jam
    An educated consumer.

    Daniel Webster: You seem to have an excellent acquaintance with the law, Sir.
    Scratch: Sir, that is no fault of mine. Where I come from, we have always gotten the pick of the Bar.
    The Devil and Daniel Webster, Stephen Vincent Benet

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