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Discussion in 'Credit Talk' started by Pat, Oct 19, 2001.
I have an old Experian credit report that shows it was due to come off on 11-2001.
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My husband sent this to EX :
I am distressed that you have re-aged the account in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
The listed account has been re-aged which is a violation of United States Code 1681c [Fair Credit Reporting Act] Sections 605 (a) and 605 (c).
It is a very serious error in reporting. I am requesting a reinvestigation which properly reflects the account history or that the tradeline be deleted.
Also send me an updated copy of my credit report to my address listed above.
I knew there were specific sections of the FCRA that were being violated, but not which ones. They will have to delete it next month, if they put the right dates back
Did this letter work?
He just sent out on Oct 5, No response yet.
Thanks, keep me posted, it would be good info to pass along.
Sure will keep you posted.
Didn't work for my FLEET account with Experian... Clear violation of the FCRA. I sent a similar letter quoting the exact sections. Got the "already investigated" response.
I even called Exp 800 where a member of their customer support team quoted the 7 years and we looked at the complete history which shows the account would be reported for 12 years. That investigation got the "remains" repsonse!
Not sure what you mean by the "remains" response.
"Remains" as in no change to the tradeline reporting. Almost as good as the "Updated" which as people here will testify updates nothing, no change to the tradeline.
I'm sending my letter out today, with a copy of the old credit report with the correct dates. We'll see what happens. I'll update in a month plus, or should I say, when they get around to responding
So, are you suing them????
Must have been inpestigated-not investigsted!
How'ed they figure 7 and 12 were the same??
Experian "logic" I guess....
Didn't know they had any-Stil not convinced!