I sent Experian about 40 pages of documents outlining my validation requests from First Credit Solutions and also my copies of an accord and satisfaction check that one of my creditors signed and cashed. They send me this notice saying: "We are responding to the information you sent us. Unfortunately, we could not use this information. We are contacting the source of the information you questioned. When we complete our verfication process, which may take up to 30 days, we will send you the results." What the hell is this? They have to consider my information, since it is relevant evidence that the tradeline is unsubstantiated. Isn't this a FCRA violation??
Well I personally think it is...lol. This is one of my current causes of action against Experian. We'll see what happens. L
That's B.S. (on EXP part) or they use "selective" info from the consumer to determine if it's good enough... For me back in August '01...before I found this board...I submitted a copy of my BK file (Yes, I know you readers are cringing in pain with this statement...as I TOTALLY regret now) to EXP and they changed virtually all BK accounts to their correct status. However, my "arguments" have been with EXP displaying both "included in BK" AND "60 day late" or "Charge Off" with some of the account statuses. So yes, EXP does look at some info, but for things like your "history" (very detailed) and even monthly card statements from Capital One verifying Credit Limit, they will disregard them. How freakin' convenient (for EXP)???? eh?
Before TRW was EXPERIAN...I sent a letter from a credit card company saying I was NEVER late...credit limit $XX,XXX...open date...and all the other STUFF...they said "WE CAN NOT TAKE INFORMATION FROM CONSUMERS"------->THIS WAS NOT MY LETTER, IT THE CREDIT CARD COMPANIES LETTER!!!
I was under the impression that there was a LAW that said if you provide PROOF...the CRA'S have to accept it!!!
The FCRA says in the case of a disputed acct., the cra's must take into consideration any documentation submitted by the consumer.
