Sick of Experian "Remains"

Dispute as included in BK or some other semi BS reason, if you can get the "already investigated" letter you should be able to take them to court for not deleting after they refused to investigate.

 

I hate "remains" too.

What does that even mean? Did they investigate it or not?

Deleted, well, I understand that fine! )
Verified, don't like it but I understand it.

But "remains"? Its as bad as when the result of their investigation is "unchanged." Well, did you verify it or not?!!!

urgh.

peace,
delilah

 

I was wondering if you'd win.....because I've had CRAs tell me they "do what I tell them" ie if I ask for it to be deleted then they do that. Frankly it's all bull because I don't DARE ask TU to investigate anything...they've deleted 3 or 4 GOOD tradelines simply because I asked them to update something.

 

This is still a theory, but when you dispute something as included in BK, especially on the second or third round or disputes and have never filed, it raises a "frivolous" flag with EXP and they won't investigate the account anymore.

I quote (mostly, some info I can't disclose) from a response I had from disputing an account.

"Dear Dixiedrifter,

To assist your in understanding your correction summary, we have provided additional information that relates directly to items on your personal credit report.

Crapital One
xxxxxxx...
WAS PREVIOUSLY INVESTIGATED


The FCRA states:

(A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.


(A) In general. Notwithstanding paragraph (1), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

(B) Notice of determination. Upon making any determination in accordance with subparagraph (A) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

(C) Contents of notice. A notice under subparagraph (B) shall include

(i) the reasons for the determination under subparagraph (A); and

(ii) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.

Nowhere in EXP's response was the term "frivolous" or "irrelevant". So how do you know if the item was dertermined to be frivolous or irrelevant or if EXP is just refusing to investigate because they already investigated before?

Anyways EXP is not going to delete without a lawsuit on this. I'd make sure I had the same response on all my negatives that I wanted deleted before filing.

The nice thing about this is that not only can you sue for damages, but you should be able to get the judge (depending on what court you file in) to grant you injunctive relief and have everything removed in one big swoop.

 

I understand your frustration as well. Experian verified a CC that was supposedly included in a bankruptcy. Well, I've never filed for Bankruptcy.
I'm sooo angry!! I've disputed this for almost a year now. And it always comes back verified.
Can someone please advise.

Thanks