Ok I called experian and got the usual we will not give procedural request unless you subpeona the information. What is the statute that states they must give it. I need a paste. thanks
thanks. I actually went through the whole dang thing and just did not see it. I knew it was there but could not find it.
Well darn. I called in and experian told me I had someone specifically that is handling my file. this is the first time I have heard of that. Of course, they closed 15 minutes ago so I have to wait until monday. Amazing how everytime you call experian has a different excuse for your problem.
I'm writing a procedural request to exp. too. Should I put that statute in there? I know THEY know it, but maybe if they know I know it, they'll take it more seriously.
This is what I sent to Experian after calling and asking for the procedures. I have only gotten their generic response so far. I haven't found the time to follow up with a second letter yet. I faxed CSC (Equifax) this letter and never got a reply. I followed up by faxing AND mailing another letter. I even emailed CAC@CSC.com: A week and another email later I got back: Needless to say, not what I had asked for. To date I have gotten no other reply, but a recent merged credit report has one of the items noted with 'consumer disputes this account information,' and the other item has been changed back to I1, but that could have been the lender's doing. They certainly KNOW what the law is, so I don't think you really need to cite it for them. I think they are banking on the fact that they provide a general description of their re-investigation standard procedures and the creditor contact information. I have been trying to get a lawyer to give me an opinion on this, but so far only one has responded and didn't get back agtain to me yet. I haven't found the time to mail a letter to the FTC directors, but I am planning to. I have lots of questions for them, but this is at the top. When I figure out the exact rules of my state's small claims court, I expect that I will need to sue both CSC/Equifax and Experian to compel the procedures. Since the Experian phone reps boldly claim it must be subpoena'd, I'm willing to go that far )
