Hi everyone. I read the boards everyday and am thankful for all of your knowledge and help. I do have a question that I haven't been able to find the answer to. I have sent letters to Experian saying these certain accts. are not mine and they supposedly came back verified. So, I have sent procedurals to Experian 2 times. Each time they have sent me back the form letter that says "how they might have validated". But no actual validation information. Then they just say that the item has been validated prior and won't be reinvestigated. Now what do I do????? I have great success with both TU and EQ but Experian doesn't want to remove anything!UGHHH Any help you all could give me would be greatly greatly appreciated. Thanks, Retta
When I had a problem, I compiled my "proof" that the information was *NOT* accurate, quotes from the FTC showing that they had to consider my data, quotes from the FCRA showing the laws that applied and told them that they had 10 days to delete or we would meet in court. I would then follow up with their reps on the phone (I know, everyone says, "don't call"). However, I could get the rep to put it back into dispute and get it deleted the majority of the time. I had one item disputed 6 times before they finally deleted.
Thanks for the information...but how do I compile proof, if I'm saying the items aren't mine?? Which is why I have asked them to validate for me, and each time they do not do it. Just their wonderful form letter. If I do call and talk with someone...what do I say? Do I say that I have disputed some items and they sent me back a letter saying they were verified and I sent them a letter requesting procedures including names address and phone numbers? Or how do I go about it? I'm sorry to ask so many questions, but I am really stumped. Most of the accts. I am disputing on Experian have been deleted on both EQ and TU. I'm just very frustrated. Thanks, Retta
