Experian litigation question

Discussion in 'Credit Talk' started by patentatty, Oct 4, 2003.

  1. patentatty

    patentatty Well-Known Member

    Can anyone here tell me from personal experience at what point Experian cuts off online access to your credit report after you've served the complaint? Also, do they follow EQ/TU's lead in calling right away to offer a settlement? This is my first run-through with them - I'd appreciate any help ya'll could offer. Thanks!
  2. jlynn

    jlynn Well-Known Member

    Here's a bump

    I haven't read where Experian cuts you off online access. Just heard that Equisux does.

    GEORGE Well-Known Member

    Isn't it ILLEGAL to cut you off FOR ANY REASON???
  4. jlynn

    jlynn Well-Known Member

    Re: Re: Experian litigation question

    No, online access is a convenience.
  5. thetravele

    thetravele Well-Known Member

    Re: Re: Experian litigation question

    EQ doesn't cut you off from you CR completely, they just lock you out of getting from anyone but their lawyer.
  6. greenvan

    greenvan Well-Known Member

    Re: Re: Experian litigation question


    Your email isn't working anymore. Something about your account being over quota. Please send me an email if and when you read this. Thanks.

  7. tboy74

    tboy74 Well-Known Member

    whatever happened with this -- i am considering doing something with EX but i am not sure if it's worth it yet ....

  8. kickman

    kickman Well-Known Member

    I just had my small claims hearing against Experian. Currently awaiting the Court's decision.

    Experian walled me off from online access even before I served them. Technically, they walled me off when I attempted to serve them under the incorrect name (I inadvertently referred to them as Experian Information Services instead of Solutions).

    As to settlement, in my case they first tried to get a change of venue. When that didn't work, they showed up and objected to a pro tem judge and the hearing had to be re-set before a sitting judge. They didn't try to settle until after they made their appearance in court. And even then, I initiated the settlement talks.

    I don't know what kind of relationships Exp has with their subscribers, but they must be good. They won't delete for anything these days.
  9. tboy74

    tboy74 Well-Known Member

    thanks for the update ... can i ask what you grounds you sued them on. right now, they have not fully complied with any of my procedural requests -- is that enough reason to sue them?

    how did you feel your day in court went with them? so even during settlement talks with them, they wouldn't even delete?

  10. kickman

    kickman Well-Known Member

    Re: Re: Experian litigation question

    I sued them under California law (the Consumer Credit Reporting Agencies Act) for (a) failure to maintain maximum possible accurancy and (b) for failure to delete or correct a tradeline after they received documents from me proving that their reporting was wrong.

    I felt good about my presentation of my case. I showed the court the evidence proving the accuracy of the tradeline and testified as to how Exp couldn't/wouldn't report the TL even with the correct info from the OC. My only worry is that this particular judge may be business friendly and give them an "out" by simply finding that Experian's procedures were "reasonable".

Share This Page