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Experian's Online Dispute Form is worthless

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One7
Valued Contributor

Experian's Online Dispute Form is worthless

After a long year of rebuilding Ive finally gotten to where I no longer feel embarrassed of my credit reports. I no longer have any negatives on any of my reports except one, and its a paid collection from Midland Funding and it only shows on my Experian report. It came off of both Transunion and Equifax last August but has continued to stay on Experian until now. As of last month it hit the 7 year mark and should fall off soon. I cant wait any longer so I have tried different avenues online to try and get it removed but everytime I try to do an online dispute with Experian it says "unable to process this online" and that I have to call some number and get a report sent to my house then do it by mail... seriously? Does anybody have any suggestions that doesnt involve the pony express or is it my only route to go. Id much rather do it online. Thanks and any help would be much appreciated.  By the way ive tried to dispute it from experian.com, americanexpress' credit secure, and myfico but no luck. I had much success doing disputes through Quizzle but they no longer do experian so I cancelled them. 

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 1 of 5
4 REPLIES 4
hitch345
Valued Member

Re: Experian's Online Dispute Form is worthless

I am getting the same thing when I try to dispute on Experian as well.  I have an old Citi Flex Line on there still showing a balance when it was sold to Unifund and has since been paid.  It was removed from EQ and TU long ago, but crappy ole EX seems quite attached to it and doesn't want to let it go.  I only just noticed it was still showing up a week ago.  Guess I'll have them mail me a report and go that route.


Starting Score: 495 Oct 2013
Current Score: 685 Jan 2015 FICO EQ
Goal Score: (Old 680) New Goal of 720


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Message 2 of 5
One7
Valued Contributor

Re: Experian's Online Dispute Form is worthless

Ugh.... so lame. But I guess its the only choice we have. 

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 3 of 5
gdale6
Moderator Emeritus

Re: Experian's Online Dispute Form is worthless

Credit repair is always best done by snail mail for paper trail in case suit needs to be brought to enforce your rights. One could also use the telephone if you have a report number....

Message 4 of 5
One7
Valued Contributor

Re: Experian's Online Dispute Form is worthless

Thanks, Im going the snail mail route. Lets hope the snail is as fast as Turbo from the Disney movie, I want this thing resolved

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 5 of 5
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