Does anyone have a good paragraph (or letter) to nail Experian with, for allowing a creditor (Verizon) to re-age a paid, charged off account. I have an old Experian credit report that shows it was due to come off on 11-2001. Thanks
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. Creditor : Account Number: Also send me an updated copy of my credit report to my address listed above.
Aux, Thanks! 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
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!
"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