A creditor sent me letter of deletion last year to delete CA account from my report. I immediately sent a dipsute letter into EXP. Well EXP refused to investigate, even though I sent them a copy of the letter to delete. I have been doing some research for my claim against them and I just talked with the CA agency, and they said they sent EXP the UDF's to delete three weeks before I sent my dipsute in. In other words, while EXP is refusing to investigate, the whole time the UDF to delete is sitting in their system to delete. I just can't believe the crap they **think** they can get away with.
I don't get why Experian thinks they can get away with all of this. After reading this and Picantel's post I realize I'm not the only one having trouble with them. My mortgage was sold to another company. EQ and TU have it right. Experian reports it "transferred, never late, o balance, currently past due 1574.00." I have disputed it twice and both times it came back verified. They said that they will not provide me a procedural request without a court order. I am trying to decide what my next move is. I have a letter from Wells Fargo saying that it was never late and they submitted the info to all cra's. Ex won't accept that though. Kim
What about a letter from an attorney? Do you have a friend who is a lawyer? Maybe if they wrote a letter on their letterhead it would get some action. Otherwise, it sounds like time to go file a small claims action against them. You have violations, make them pay!!
Apparently they have not been subjected to enough class action lawsuits and the FTC could care less. Count me in as a member of the "Shit On By Evil Experian Club" This is what is known as the idiot factor. Any idiot should realize that a transferred account should be at a zero balance. Cept for those idiots working for Evil Exp. Well if thats what they want, give it to them, that and a lawsuit to go with it. If the Evil Exp does not fix it after submitting that letter, get some actual damages and go try burning them a new one in court. The Evil Exp has done the same thing to me several times. Last time I had them investigate an account twice, got ahold of the OC's arse and got a deletion letter from the OC and sent it to the Evil Exp. A week later I got a letter in the mail saying they have already investigated the account and cannot accept the information I provided. If thats not willful noncompliance I don't know what is.
Can't see why that's such a tuffy. Letter #1 30 days Letter #2 15 days Letter #3 (ITS) 72 hours Lawsuit filed the following business day. Total time: 49 days at the MOST. Keep your stuff on a real tight time frame guy's. This is a system, remember?
