I'm getting notes back from Experian saying 'was previously investigated.' All they say they will do is let me make a statement on the record. Notice this statement on the letters: According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's dispute. If the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit report. The Federal Trade Commission does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc.; nor does it require that consumer credit agencies act as mediators or negotiators in account disputes. Anyone got any ideas?
That's just Experian's excuse for not doing their jobs. They're technically correct in that you may add a Consumer Statement. What they don't say is that a creditor can also add a Creditor's Statement in the event Experian's "computer" can't report the proper data. Neither of those, however, is a final remedy under law as Experian would have consumers believe.
