Well I know this has been run in the ground, but I have a question. I mailed Experian a CRR letter with a list of my aliases, and addys that need to be removed. Over 20 addys, its freaking rediculous. Anyway I get a letter back stating that I need to dispute with the creditors. It listed the items investigated, and all they investigated was a phone number and work history I wanted deleted. I will try and call tommorrow, but arent they required to investigate, or delete? Any body have any luck lately? Thanks in advance.
I did state in the letter that these addys were not mine, apparently they didnt care that they were reporting inaccurate info.
They don't have anything to do with the data they provide, they only parrot the data given to them by the alleged creditors... <eye roll> Of course, usually when they rely on that defense when being sued, they normally lose. Some people have had luck calling to get them deleted, I never have.
Thanks for the reply, Do you think I should just send a 2nd dispute letter saying that the info is wrong and they are still within the 30days to correct the error?
Ask for the "source" of each item of information. 15 USC 1681g(a)(2). Don't accept a vague response. Get the specific source of each item of information.
Innovis is the only CA that I've seen which actually lists the address being reported by the subscriber IN THE TRADELINE.
Update Checked my Exp online, they did delete the aliases, and most of the addys, still more than I want. So it looks only a few more to go.
It has been my experience that the on-line version of my aliases and previous addresses are far more limited than those on the snail mail version. I'd suggest looking at the hard copy before being convinced that they've made any changes at all.
I don't phone TL disputes, but I did phone all three bureaus yesterday to remove bad versions of my name and old addresses that were so old I couldn't even recall them anymore. They just verbally asked me whether I had ever received mail there, or used that name and when I said no two of them said they'd remove instantly and the other said they'd "investigate". It was surprisingly easy. I had sent snail mail letters last month with FAR less successful results. On one address they looked at my record and said it was still being reported by a OC, so they had to leave it on. No biggie. I was able to remove about 20 of them. The one thing is that you must first have a hard copy of your CR with the number on it. They are good for 60 days, but I get tons of these in the mail (free) with all the disputes going on.
