I sent this letter to Experian on April 25, 2001: [Experian NCAC P.O. Box 9595 Allen, TX 75013 April 25, 2001 To Whom It May Concern: This letter is in response to my report number xxx. A dispute was made challenging the validity of the three accounts listed below. XXX ELECTRIC Account number: xxx XXX FINANCIAL SVCS Account number: xxx XXX FINANCIAL SVCS Account number: xxx All three of these accounts were verified as being valid. I then filed another dispute at which point I received the above report stating that the accounts were previously investigated and will not be reinvestigated. As I have never had a 10 month installment loan with XXX, and since the information with the accounts from XXX Financial is incorrect and/or missing, I am of the belief that these accounts were in fact not correctly verified or not verified at all. The XXX account listed above was in fact deleted from TU and Equifax after their investigation found the account was incorrect. I do not believe that the creditor verified the information to Experian, but failed to verify the information to TU and Equifax. Persuant to the Fair Credit Reporting Act, I am requesting that a hard delete be done for these accounts that are being reported incorrectly. Otherwise, I am hereby requesting the verification information for my records. This shall contain the information on how the account was verified, the name and address of the business contacted, and the telephone number. I am prepared to file a small claims lawsuit if the aforementioned accounts continue to be reported incorrectly. I expect a response within 30 days.] Apparently the threat of filing a lawsuit was useless. Will calling Experian (800-583-4080) do any good, or should I just mail validation letters to the creditors? It pisses me off. I send in this letter asking for verification information, and the *******s send me a form report letter telling me to look at my credit report for the sources....GRRRRRRR. Thanks for the help.