CE inquiry removal - DENIED??

Experian now only lets you dispute the same item online twice. Once it's verified the second time you can never dispute it again.

Have you disputed these before?

 

After the first inquiry on a series of inquiries, I usually dispute the others as annual review.

This has worked with Creditexpert as recently as yesterday, when they deleted two inquiries.

Good Luck

 

I really don't think that's always the case. I'm on my fourth dispute over Cross Country Bank and haven't received anything saying they are refusing to investigate. Actually...that's not true...I think I received that the second time, but the third time I included documentation which they disregarded and it came back verified and the fourth time (this time around), I included three cases where the courts held that in a situation where they are aware of a dispute between the consumer and the reporter, they are obliged to go beyond their original source. I told them to reinvestigate and this time request documentation proving it is my account.

Here are the cases I used, although there was some negative aspects of the Cushman case on either appeal or where it was cited in another case, so don't use it without researching it further. I didn't take the time to shepardize it.


In Richardson v. Fleet Bank of Massachusetts, Equifax Credit Information Services, Experian, Trans Union and Portfolio Recovery Associates, LLC, the court held that the company failed to follow reasonable procedures by relying on creditors for accurate credit information because the company had reason to know of the dispute between the consumer and the company.


In Bryant v. TRW, the Defendant consumer reporting agency unsuccessfully argued that, under §§ 607(b) of the FCRA, 15 U.S.C.S. §§1681 et seq., it was not liable as a matter of law, for reports it issued in good faith, and as a result of inaccurate information provided to it by plaintiff's creditors. The court held that defendant was not free from liability when the credit reports it issued contained errors, and the evidence was overwhelming that the information in the reports at issue was not accurate. Once inaccuracy was determined, defendant's agency procedures were determined to be not reasonable to ensure maximum possible accuracy, pursuant to §§ 607(b).



(AGAIN...WARNING ON THIS CASE)
In Cushman v. TransUnion, the court , the court ruled that defendant was obligated under 15 U.S.C.S. §§ 1681i(a) to verify the accuracy of its initial source of information, and to go beyond the original source when the source was likely unreliable.


L

 

I have two accounts on experian that are legit not mine and I disputed them on CE as exactly that. They came back verified twice. Now, like many of you, I cannot dispute them online. I sent my local affiliate a letter saying that they were not mine and I request they either be removed or they show me how they validated it the other times so I can see that it does belong to me. They sent me back a copy of my report with a letter saying that the items have already been verified and I cannot dispute them again and to contact the original creditor. I tried that on three separate occasions and they never answered my letters so that idea is a wash. Tomorrow I am sending an intent to sue letter to Experian and the creditor again to see if somebody will get up and do their job for a change.

But I feel your pain and wish I had some advice for you.