What's going on here?

I recently disputed a listing by American Agencies that was on both TU and Experian. Both disputes were done on July 2, both online, and reason was 'not mine'.

On July 26 TU deleted the item, a full six days before the thirty day deadline. Experian, on the other hand, removed the dispute notification in CreditExpert on August 1.

My report from Experian from August 2 shows "This item was verified on 7-2002 and remained unchanged.", though the report from August 1 did NOT have any notation.

How is it that Experian could verify this, and right on the last day to boot, but TU couldn't and even knew six days early. Is it just a case of TU or Experian being lazy?

Yeah, I'll have to ask for procedures used by Experian, but we all know how fruitful that will be. Has ANYONE actually gotten genuine documentation of procedures from Experian, ever? Has anyone here sued Experian for refusing to honor a procedure request?

For me thus far, Experian has been the most difficult CRA to deal with. They are really pushing me over the edge!

Sorry, I guess I just needed to vent...

 

Ok, just talked to an Experian phone rep. (She was actually nice and even a bit helpful.)

Because I disputed as 'not mine', American Agencies merely had to look at the account number and see that my name was listed, says she. I told her I thought that I was disputing that the original account was not mine, and she said that they (American Agencies) wouldn't think that far, as they are a collection agency, after all )

She also said that the dispute was resolved on July 30. Seems that their web reporting from CreditExpert can lag (

So, does her explanation stand up? It sort of makes snese to me. I probably should have disputed it as not my original account. Or disputed as not mine but added addititional information to clarify WHAT was not mine.

If this is indeed the way Experian handles things, then anyone using 'not mine' ought to be aware that their dispute could be verified even though the original account is invalid.

I have to confess that I didn't send a dispute to American Agencies first, thinking that it may well just get deleted, as did TU. I have since sent a proper dispute and validation letter to American Agencies, and have redisputed with Experian. Only time will tell.

At least I was able to redispute it online. That's part of why I did the 'not mine' exclusive aproach, since Experian is reluctant to allow you to dispute for the same reason more than once, be it in direct violation of the law or not.

I'm typing WAY too much today...