WAMU not reporting to Experian

Anonymous · ‎03-08-2009

I have an issue where my WAMU credit card has never been reported to Experian, and is consequently pulling down my Experian score. Initially it only showed up on Transunion, but I filed a dispute with Equifax, and it started being reported there correctly. I called Experian to file a dispute, and they told me I needed to contact washington mutual. I sent a dispute to WAMU and received a reply saying that I was correct and the information would be corrected; but it continued to not appear on the Experian report. I then called WAMU, and they told me that I would need to file *another* dispute about them not correctly resolving the first dispute. I did this, again receiving an exact copy of the original letter saying that I was right, and that it would be corrected. Surprise, surprise, it still didn't get fixed. I then filed a dispute with Experian as a last resort, and received a response from them simply stating that it wasn't their fault, and that WAMU probably doesn't report to them. (which they do). I don't know what I can do now to move this forward. What is my next step?

Thanks.

llecs · ‎03-08-2009

You have to keep trying with WaMu. EX doesn't know what's supposed to be reported if nobody is reporting (WaMu).

Anonymous · ‎03-10-2009

What line of redress do I have though? Obviously I'm not having much luck with WaMu, and I expect things to only get more complicated as, as of today the accounts are now officially chase accounts.

Junejer · ‎03-10-2009

You have to escalate this past the front line CSR. You need to speak with their supervisor, their supervisor's supervisor, or beyond that. I would also send them a copy of both letters stating the same thing and highlight the dates. Don't keep running in circles playing the same old game.