topic Re: Who else thinks something needs to be done with Experian? in General Credit Topics

Who else thinks something needs to be done with Experian?

CreditDrama85 — Mon, 22 Sep 2008 13:22:08 GMT

specifically, their verification process when you dispute as "not mine"

how is it even legal to verify items by an automated system of sorts saying the soc. sec. num. and/or address are correct and then refuse to re-investigate if the consumer has more proof the item is not theirs?

i cannot tell you how this has resulted in so many more items appearing on EX than any of my other reports. EX never investigates and i have given up on them.

if i had the time and the energy , i would sue. i know im not the first person to have this problem. has anyone sued EXPERIAN about this or does anyone know the status of recent complaints?

i have tried everything, and EXPERIAN does not care about the law. once something is reported to them, they will never delete it.

Re: Who else thinks something needs to be done with Experian?

fishbjc — Mon, 22 Sep 2008 15:33:09 GMT

I believe it was experian who had our sons student loans listed on my husbands report. We wrote them, they verified and refused to delete.

Bunch of a-holes.

Re: Who else thinks something needs to be done with Experian?

Anonymous — Mon, 22 Sep 2008 15:43:22 GMT

Its Experian who is refusing to fix a 60 day late on an old student loan that was paid off the month before this 60 day late appears. I hate them, they hate me. This 60 day late was reported in 2004, so it is quite the while it will stay on there.

Re: Who else thinks something needs to be done with Experian?

Anonymous — Mon, 22 Sep 2008 17:58:48 GMT

If only there was a class action lawsuit against Experian... although there would be so many people involved we would never see a penny.... but atleast they would have to pay something for their errors. I too, am having problems with them. I would mostly just like to see businesses boycott them.... if only they knew of all the incorrect information Experian hands out. Why is it that it's always negative info that is incorrect? I don't ever hear any stories about how they mistakingly put some positive info on people's credit reports. I have never seen the story ... " hey, I had 20 late pays on this account, but you know Experian keeps reporting that it is paid as agreed, " or "I have a 50,000 charge card maxed out, but Experian keeps reporting my balance as $500." You never hear anything like that, just that they randomly put negative info on people's credit reports.

Re: Who else thinks something needs to be done with Experian?

niecey89 — Mon, 22 Sep 2008 18:29:06 GMT

I feel your pain. I am going through the same thing with Experian. They claim they could not verify my identity and needs me to send all this information. I am shock that they did not ask for my first born and a blood test. All the CBs need to work on the same reporting system or connect their computers together for accurate information. They have a job i worked in 1989 as the only job reported (my first job when i was in college). I have not worked their in 20 years. Here is another funny, they have my old address in Atlanta, GA on my mothers credit report. My mother has never left the state of NJ. She was never an AU on any of the CCs. Also we do not have the same last name. Where are they getting this their information from.

Re: Who else thinks something needs to be done with Experian?

Anonymous — Mon, 22 Sep 2008 21:19:56 GMT

You can take it up with FCRA FCC. I've heard that people have had to sue them before to force them to remove incorrect information.

Re: Who else thinks something needs to be done with Experian?

Anonymous — Mon, 22 Sep 2008 23:57:31 GMT

Well this is not what I needed to see. I just found out today that Experian has two accounts listed on my report for Sears that are not mine. I verified it with Sears and plan to send a letter tomorrow. Should I not expect anything to be done?

Re: Who else thinks something needs to be done with Experian?

mccar — Tue, 23 Sep 2008 14:17:36 GMT

I sent in proof that a judgement was canceled and discharged. Equifax and Tansunion deleted within days, Experian still verified.

My husband PFD'd a collection account I sent in the proof for that (cashed check, letter etc....) TU and EQ deleted, EX verified. I am so tired of EX.

Re: Who else thinks something needs to be done with Experian?

Donks3369 — Tue, 23 Sep 2008 19:46:49 GMT

I'm in the complete opposite side of everyone here. Experian has been nothing but great for me. But I guess that is because I fax my disputes and they seem to get taken care of quickly. Equifax, or the dreaded CSC, is what is giving me problems.

Re: Who else thinks something needs to be done with Experian?

Anonymous — Tue, 23 Sep 2008 21:24:53 GMT

I just disputed a payment they did not show and they fixed it in a couple of days.

I do use their monitoring service however so just do it on-line.

They do keep inquiries 25 months instead of 24. That seems a bit strange to me.

Re: Who else thinks something needs to be done with Experian?

Anonymous — Fri, 26 Sep 2008 21:58:28 GMT

I HATE EX, they are the only ones giving me a hard time

Re: Who else thinks something needs to be done with Experian?

Anonymous — Sat, 27 Sep 2008 03:48:46 GMT

Donks,

Hi. What fax number do you have for Experian? Honestly Experian use to be the easiest to remove inaccurate things from the report. Now when I call there rude, deceitful, and no compassion for the job description.

Re: Who else thinks something needs to be done with Experian?

Anonymous — Sat, 27 Sep 2008 17:24:36 GMT

i agree with donks...the last time i had an issue with them was a few weeks ago when an old verizon debt reappeared AFTER it was deleted and they did not notify me..so i faxed them a happy lil letter quoting some of the laws they violated and penalties they could face..and within a week that debt was deleted....so i guess you get better results via their fax machine....

Re: Who else thinks something needs to be done with Experian?

recoverychick — Sat, 27 Sep 2008 17:48:44 GMT

What fax number did you use (if you don't mind). They continuously tell me they don't allow faxes. They continue to report a charge off dated 03/07 with balance written of when it was 03/04 and paid in full. I sent them the bank letter and BofA contacted them, but they keep saying verified.

One month is was a foreclosure 04/07 and 120 days late but paid, One month it was charged off 03/05 with unpaid. I never know what I'm going to see. I just sent the 5th letter over the past 6 months.

Thanks.

Re: Who else thinks something needs to be done with Experian?

Anonymous — Sat, 27 Sep 2008 17:52:54 GMT

oh im sorry i do not remember ..but i do remember that i had 2 numbers for them and one worked but the other didnt...you should try doing a search on here for the numbers...thats what i did...they are all over the place...i mean worse case scenario...you try one and it dont work...keep trying until you get an answer from one...good luck

Re: Who else thinks something needs to be done with Experian?

cfletch123 — Sun, 28 Sep 2008 02:31:53 GMT

how did you get a judgement vacated?

Re: Who else thinks something needs to be done with Experian?

Anonymous — Sun, 28 Sep 2008 02:36:51 GMT

What number do you use to fax? Is there a specific department name also?

Donks3369 wrote:
I'm in the complete opposite side of everyone here. Experian has been nothing but great for me. But I guess that is because I fax my disputes and they seem to get taken care of quickly. Equifax, or the dreaded CSC, is what is giving me problems.