In response to a dispute letter I sent, Experian replied with this: "We received a suspicious request regarding your personal credit information that we have determined was not sent by you. This could be deemed deceptive or fraudulent use of your information. We have not taken any action on this request. Any future requests made in this manner will not be processed and will not receive a response." I sent the same dispute letter a few years ago with different dispute information that was responded to. It was name correction and a few items that I disputed as inaccurate. What the Heck!!! Next steps anyone?
Slow down. They didn't call YOU a fraud, they just said someone could be using your information fraudulently. Send another letter, that's worded differently and include a photocopy of some piece of ID or get the letter notarized to prove it's from you. The CRAs automate as much of the process as possible so what probably happened, was your letter was scanned, converted to text, compared to the text of your earlier letter where a high enough match was found and so it was flagged as spam. The whole thing probably took less than a second and it's unlikely a human was ever involved.
The part that would get my ires up is the fact that they specifically state that any other disputes will be ignored... Personally, I would test that theory out by disputing something that the FDCPA says that they must investigate within 30 days (any trade lines that have any glaring omissions). If on day 45, I wouldn't get the results, I would file in Federal Court for failing to perform the dispute in violation of the FCRA, and demand $1,000 for the security guards at the Federal Court to verify your photo ID for them, when you are going through the security area to file the lawsuit.
jam237, I will indeed try it. My first dispute letter didn't have any specific tradeline violations cited. I also included my personal information dispute on the same letter. I'll split them up and do it again and see what happens.
I'm starting to think that Experian's answer to my dispute letter may be a blessing in disguise. I'm going to use jack1212 method because I still think it has some validity even though the info I got is from an old thread. (unless some thinks that maybe I shouldn't?). This time I'm going to back up my dispute with evidence that I DV'd a few folks and no one has answered. It's been over 10 days. Because Experian put my first request on ignore, this next dispute shouldn't add an additional 15 days to their 30 day clock. Am I right?
To ccbob, I'm also going to do just what you suggested and have this letter notarized. I'm going to compose my letter but hold off sending it until I get some feedback on using the jack212 method from CN. Thanks you guys!
Dang, I just realized what I said. It's 6 in one hand half a dozen in another since i sent my original dispute on 7/19.
Here's my letter to Experian please all critique. I am chafing at the bit to send this out. RE: Legitimate dispute Since you have chosen not to take any action on my previous legitimate request for a dispute per FCRA laws, please find attached a copy of my driver’s license. Please be advised that this letter has been notarized as additional supporting evidence. I am requesting that you do what is legally mandated per the FCRA and FDCPA as these items violate federal law. The following tradelines are inaccurate: XXXXXXXX Claim amount is incorrect The estimated date of removal does not match with info from original creditor Date resolved is incorrect Please correct all information or remove XXXXXXXXXX Date of first delinquency is incorrect Monthly payment is incorrect Status past due date is incorrect Status past due amount is incorrect Received a demand for verification from me on 7/18/2012 and has failed to provide any proof and has not responded. See attached. XXXXX Has never been 180 days late please correct Does not have a credit limit please correct Recent payment amount is incorrect Have never been 90 days late please correct Balance history is completely incorrect please correct! XXXXXXXXXX Received a demand for validation from me and has failed to provide any proof or respond in any way. Please remove. XXXXXXXXX Received a demand for validation letter from me and has not provided any proof or responded in any way. See attached. Please remove. XXXXXXXX Date opened is incorrect Account number is incorrect 180 days past due apr 2010 incorrect 150 days past due Mar 2010 incorrect 120 days past due Feb 2010 incorrect 90 days past due Jan 2010 incorrect 60 days past due Dec 2009 incorrect XXXXXXXXXX Account number is incorrect Status is incorrect Credit limit is incorrect Please correct all. This is not my address My Address Redacted. I have attached my driver’s license as proof, this has been my address for the past 26 years. Please remove immediately.
Thanks Jam! I tweaked the letter a bit i.e. requested a corrected report once corrections were made. Fixed some grammatical errors, and cleared up a few sentences that seemed a bit incoherent. Now I'm getting ready to send it out. Quick Question...I was going to add this to the letter "Next time I won't be so nice", but I didn't lol. What say you, would that have been a wee bit too much?
Update: O.k. got my response back from Experian, they deleted my old address and basically verified everything else. My next letter will be asking them, who they verified with, how, and to provide me with the information. Any other idea's?
They will only answer in the standard generic answer, they will never answer in whos and hows they have verified a specific accounts.
