cancel
Showing results for 
Search instead for 
Did you mean: 

Experian will not respond to "method of investigation" request

tag
GordonShumway
Regular Contributor

Experian will not respond to "method of investigation" request

I asked EX to provide method of investigation.

They replied with "we have already investigated this information and the credit grantor has verified its accuracy".

Really? Since when is a CA a credit grantor?

If I requested the information you provided under 611(a)(2)(B), where it it exactly?

 

Any idea how to pursue?

 

Message 1 of 3
2 REPLIES 2
bigman023
Frequent Contributor

Re: Experian will not respond to "method of investigation" request

I'm having the same issue with TU.......

5/2009 EQ-504(FICO), TU98-567(FICO), EX- 503 (FAKO)
10/17/11 EQ-633, TU04-652, EX-681 All lender Pulls
10/17/11 TU98-678
12/21/2012 TU98-677 (39% Util)
01/21/2012 EQ - 661 (37% Util) SW Alert
Message 2 of 3
RobertEG
Legendary Contributor

Re: Experian will not respond to "method of investigation" request

The statute that controls provision of method of verification is FCRA 611(a)(6)(B)(iii).

In summary, IF you requested  a "description of the procedure used to determine the accuracy and completeness of the informatio."   as part of your notice of dispute, then they must provide it in their written notice to you of the results of the disptue.  Otherwise, they dont.

Always include such a request in your original notice of dispute.  Teh statute does not provdive your right to request method of verification after receipt of their written notice to you of the results of your dispute.

 

 

Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.