Reply
Regular Contributor
Posts: 244
Registered: ‎04-16-2007
0

Disputes/Next Step

ARGHHHHH.  I need to vent.  I disputed information on all three bureaus. Some of the information that I disputed was corrected and reflected appropriately.  But, some of the information is still incorrect.  I tried to dispute online with experian and they won't dispute it, saying it was already disputed!!!!!!!.  Yeah, but it's wrong.  So what do I do now?  Write to them?  How do I assure that the information will be looked at again, because it is definately not right.  I even have letters from the OC's indicating the corrected information.  If I send all this in writing, along with copies of the OC letters, do you think they'll actually investigate or just throw my stuff in the trash?  This is so frustrating.  Any suggestions?:smileymad:
Super Contributor
Posts: 8,172
Registered: ‎03-25-2007
0

Re: Disputes/Next Step



dazednconfused wrote:
 I tried to dispute online with experian and they won't dispute it, saying it was already disputed!!!!!!!. 

I got that one.  I find Experian a real, real pain.  I have given up, as the item in wuestion will age off in 9 months.
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Regular Contributor
Posts: 244
Registered: ‎04-16-2007
0

Re: Disputes/Next Step

Unfortunately, this won't age off for 2 more years, but is it so wrong, wrong, wrong.  It's a student loan account which is current and has always been current, however, it was sold from one lender to the next.  The lender that sold it keeps reporting it [3 separate entries] and is reporting it as a charge off [on all three entries].  When I called the original lender they said they have no records [sure].  So I called the lender it was sold to and they confirm the one account that is reporting correctly and agreed that the other accounts were the same, but since they are not reporting it [from their institution] that they can't update because another lender is reporting it, even though the informaion is not accurate. So I disputed with the credit bureaus, who said that they verified it [I have no idea how, because the original lender claims they have no record] and now won't let me dispute.  It is so frustrating....:smileymad:
Frequent Contributor
Posts: 351
Registered: ‎04-02-2007
0

Re: Disputes/Next Step

If the OC is telling you that they have no record of it then that would mean that the CRA couldn't possibly have verified its accuracy.  Either the OC is giving you the runaround or the CRA didn't properly verify and aren't they supposed to completely verify the accuracy if there is a dispute?  I thought I read somewhere that they are taking some heat for not properly handling disputes.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.