Hello All, I have a couple of baddies being reported that I'm battling right now. After doing my research, they are being reported with bogus DOLP and DOFD's on Equifax and Transunion. However Experian is such a garbage report that they don't even list a DOLP DOFD for any account. Not even a little subnote stating how long the account will be reported for. After disputing these accounts as inaccurate with their garbage automated dispute system, they come back updated. And whatever part was updated is beyond me! Has anyone had success using Sect. 609 to get these Bozo's to list the DOLP and DOFD's? If so would you please send me in the right direction. I have already sent certified nasty letters to the OC's about the inaccuracies. But I have no leverage with Experian because they don't even list them. By the way, I'm getting the report directly from Experians site and not a 3rd party. Thanks Guys!
I'm thinking along the lines of sending them a procedure request from my latest disputes. And demanding the additional information referencing Sect.609. Any thoughts?
Procedural Requests do not give you any CUSTOMIZED information as to the PROCEDURES used for the specific account in question, only the general, we contacted the data furnisher, and their trained monkey hit the GLOWING "Y" key on their keyboard to verify the information. THAT'S IT. The only way you ever find out the exact procedures is after you've had to file against them. After at least a year of legal maneuvering to delay telling you anything.
