Caught EXP - they're going down!!!!

I've tried disputing two of my stubborn accounts online the two times Exp will let you and they keep verifying. Now I KNOW this is incorrect information, so just for the heck of it I decided to go back through my old reports. I found one from them from '99 that shows the correct info on them. So I've now got proof they re-aged these two accounts and verified the incorrect info twice! Woo-hoo! I'm working on my letter to them now, going to threaten small claims court if they don't remove my three negs. and one inquiry from Asset that I don't want on there. Maybe there is hope for my first clean report.....

 

Here's the letter I'm drafting for both hubby and myself (they are reporting the same incorrect info on both our reports so it looks like a 2-for-1, LOL).


==================

May 25, 2002


Dispute Department
Experian
P.O. Box 9556
Allen, TX 75013



Re: Last letter before filing suit


Dear Credit Bureau,

This letter is to inform you that you have twice verified incorrect information on my credit report. Please find enclosed copy of my report dated March 30, 1999 which contains the correct information for this account. Bank of America is the current creditor for this account in which Nationsbank was the original creditor as shown on my old report. The account numbers are the same as the account was transferred from one company to another. You are reporting incorrect charge off dates and have twice verified this erroneous information. In addition, you have verified two other accounts for which the original creditors have not been able to provide me with the verification I have requested of them.

This is not a request for re-investigation, it is my last notice to you before I file suit. Your failure to follow the FCRA has forced me to draft a lawsuit against Experian for the following:

1) Violation of the Fair Credit Reporting Act
2) Defamation of Credit
3) Negligence
4) Loss of Opportunity

This is an offer of an out of court settlement prior to the lawsuit being filed. If you will agree to delete the following information from my credit reports immediately, then I will agree to not seek the damages to which I am entitled.

-Bank of America account #
-Chase NA account #
-Wood County Natl Bk & Tr account #

If you do not delete this information from my credit report, then my lawsuit will be filed June 14, 2002. I will be seeking monetary amounts for violation of the FCRA as well as actual damages and court costs to which I am entitled.

If you wish to notify me that you are agreeing to delete this information from my credit reports and closing this matter, I must receive a letter or phone call stating such prior the close of business on Friday, June 14, 2002. I can be reached at the above address or phone 555-555-5555. You must also then supply a corrected credit profile to me as well as all creditors who have received a copy within the last 6 months

Sincerely,


laurie33

 

Thanks so much! This happened quite a bit after it was charged off so I didn't know what the circumstances were. That's very helpful.