Hi, I just had something happen to me that I have seen threads before about but I could not believe at the time. I have an open dispute with Experian (C.H.O.D) and I was looking at creditexpert tonight and saw that one of the ca's that I am disputing pulled a soft inq a couple of days after the dispute was filed. looks like they are going to be one of those who come back as verified mainly because they checked my bureau and saw there name on there. That really should be illegal if its not already. "Reality bites when your in the lower 500 club"
Don't despair, get mean! I'm done screwing around with Experian. They have verified accounts that can't be validated. They recently re-aged a pd chgoff that was supposed to drop off, I sent them proof and yet it remains with a new 7 years of life. I've spent way to long playing nice with them. Although it did take most of that time to collect my evidence. I sent complaints to FTC, BBB, Texas AG. I'm sending an intent to file suit letter in the next couple of days. And I will sue them when they ignore all of the above. Lizardking said in a prior post that Experian folded on the intent to sue letter, I don't care if they fold then, prior to the court date, or in court. Because they have / do / and probably will continue to break the law. And they are going to lose this one.
I posted on this a few weeks ago. Experian merged my report with someone else with the same name. I had 14 items added to my report. I wrote them a nice letter detailing their mistake and asking them to correct their mistake. All 14 items came back verified. Then I did the same thing online. Everything was verified (including two additional social security numbers). Then, in a fit of anger, I called and complained. The woman I spoke with was real nice and said everything would be taken care of in two hours. She followed through. The moral: These people are idiots. Keep trying and you will eventually get the person with a brain. Nasty works with them
My problem with experian is that I sent them my first dispute letter in Oct. They ignored me. I sent a second one in November. They ignored me. I called the FTC to complain, then called Experian the day before Thanksgiving. They took my disputes over the phone. The woman on the phone said they send the disputes to the creditors by mail, not phone or fax, and recieve them by mail. 6 days later I got 2 accounts back verified. How is that possible when they had to do a microfiche research for more than a year ago, then send results by mail?? Then, 3 accounts that the creditor corrected to paid/never late on my other reports, came back verified by the very same creditors. What is going on here?? They didn't even investigate. Where is that intent to sue letter??
