Judgment Removal...Experian will not Budge

Discussion in 'Credit Talk' started by liddyboo, Mar 23, 2015.

  1. liddyboo

    liddyboo Member

    Hello,

    I had a tax bill that was on a payment plan, but was reported. So, the bill become a judgement. Once it was paid, I was sent a letter saying it was released and to go to my local clerk of court to pay a fee and then send it to the three credit bureaus to show the lien was released and paid in full. I did this and TransUnion and Equifax, shockingly removed it after a couple of months of sending the release letter and the dispute letter for the judgment and talking with the dispute departments, which is what I was hoping for all along.

    BUT, Experian will not budge. I've sent them everything I have sent to tu and equ and they will not remove it and it's been close to a year now. They say it has to either have been filed as a mistake or have the words 'withdraw' in the release letter in order for them to remove it. On Experian it says it's been released but it still showing a balance even though it's been paid in full. I don't know what else to do. I am going to send a nutcase letter and critique it for a judgment/lien, but other than that I am at a loss. Does anyone have any suggestions? If so, they will be greatly appreciated!

    Thanks!
     
  2. jam237

    jam237 Well-Known Member

    Judgements, Liens and other Public Records are removed completely differently from other tradelines.

    More than likely, the only way to budge after repeated attempts is through suing. It's what I would do.

    I would draft a complaint with the chronology of every dispute of the information, exactly what was sent to them, when, when it was received, and what their response was.

    I would demand $1,000.00 for every time that Experian failed to perform an adequate investigation, and reported information which was inaccurate, incomplete, or unverifiable.

    Did you do all of the disputes that it was released? (i.e. no dispute specifically challenging the reporting of the balance? - they are completely different reasons to dispute the tradeline; and they could have an out for not updating the balance, unless the balance was specifically disputed.)

    Hopefully, faced with the opportunity to pay you $1,000 per dispute for the pleasure of reporting the inaccurate information, they would welcome the opportunity to get rid of it. :)
     
  3. liddyboo

    liddyboo Member

    Thanks so much for your help and suggestions! I will do this.
     

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