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Member
Posts: 7
Registered: ‎04-14-2009
0

Really strange Experian response

Sent a dispute CMRRR to EX recently

 

I disputed:

  •   2 chargeoffs as obsolete (they are due to fall off in the next 6 months)
  •   An old utility bill which was being reported by 2 different CA’s
  •   And Portfolio, which was still listing a balance for an account for which they had already issued me a 1099

 

Got my results this week – about 15 days after I sent in the dispute.

 

Much to my amazement, EX  ‘Updated’ a Capital One account.   I had not mentioned this account in my dispute, and they ignored the 4 tradelines that I did dispute.

 

Any ideas for my next move?

 

Do I send the first letter (with proof of delivery) again, with a cover letter that demands a response to the 4 accounts for which I submitted disputes?  Send it to their legal dept.?

 

Perhaps I wait until their 30 days has passed and then write again and demand deletion.

 

Any thoughts would be appreciated

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Really strange Experian response


DaveRoth wrote:

Sent a dispute CMRRR to EX recently

 

I disputed:

  •   2 chargeoffs as obsolete (they are due to fall off in the next 6 months)
  •   An old utility bill which was being reported by 2 different CA’s
  •   And Portfolio, which was still listing a balance for an account for which they had already issued me a 1099

 

Got my results this week – about 15 days after I sent in the dispute.

 

Much to my amazement, EX  ‘Updated’ a Capital One account.   I had not mentioned this account in my dispute, and they ignored the 4 tradelines that I did dispute.

 

Any ideas for my next move?

 

Do I send the first letter (with proof of delivery) again, with a cover letter that demands a response to the 4 accounts for which I submitted disputes?  Send it to their legal dept.? Also wait 30 days, good luck!

 

Perhaps I wait until their 30 days has passed and then write again and demand deletion.

 

Any thoughts would be appreciated


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Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Member
Posts: 7
Registered: ‎04-14-2009
0

Re: Really strange Experian response

 

Sorry I posted to this forum rather than 'Rebuilding'.  Perhaps the moderators could move it.  Thanks

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