topic Re: Experian in General Credit Topics

Experian

docfr8 — Wed, 11 Jul 2007 13:31:30 GMT

Is it just me or is Experian a lot more difficult to work with on credit report inaccuracies than Trans Union and Equifax?

They are very short on the phone and I was informed that they do not except any faxes nor do they contact the creditors by mail/phone on disputes. Furthermore, they do not accept any hard copy supporting documentation. I seriously doubt that Experian makes any serious attempt to investigate disputes. I have worked diligently with both Equifax and Trans Union on inaccurate information as well as non-autorized inquiries with good results. However, the same accounts and inquiries have not been updated or deleted by Experian in spite of several requests.

Re: Experian

Anonymous — Wed, 11 Jul 2007 13:40:24 GMT

It's not you, it's Experian.

Re: Experian

Anonymous — Wed, 11 Jul 2007 13:40:24 GMT

I agree. EX is very hard to deal with for myself too. If you have disputed something already and they say its verified, and you try to dispute it again months later, it would tell you "we have already verified this item" and it won't let you submit the dispute online.

I even tried to get inaccurate addresses removed from my reports, Experian denied that request.

Re: Experian

Anonymous — Wed, 11 Jul 2007 13:41:21 GMT

Yes, it does seem that Experian is the most difficult to work with, however, Noah posted a fax number to Exp yesterday that he used to send off some disputes. He said that he got good results. Fax #972-390-3838. Good luck. YMMV.

Re: Experian

docfr8 — Wed, 11 Jul 2007 13:47:55 GMT

I have the same issues where I disputed an account one year ago and it was verified by Experian. I disputed the account again last month (since then new changes were made to the account) but Experian refused to investigate because it was "previously" investigated in June 2006.

Re: Experian

Anonymous — Wed, 11 Jul 2007 14:25:33 GMT

I first thought Experian was the best one because I had the most luck disputing with them online: creditexpert.com. Now I see that transunion and equifax are better--transunion is the best IMO.

Re: Experian

Cory — Wed, 11 Jul 2007 15:15:55 GMT

Same here.............

I'm letting my Credit just marinate right now.

Cory

Re: Experian

Anonymous — Wed, 26 Sep 2007 03:53:55 GMT

I have been thinking about reporting them to the better bussiness b--- I got a 3 combined report and score---not from them. When I wanted to dispute, I could only do on line---and ONLY if I had THEIR report--and it required their report code. I tried calling, but the number listed for customer service was only a machine that told you to go on line. So, in order to get the info corrected, I had to buy their report for $10---being that it is my credit---I paid. After the disputes were investigated, some information was still left, I tried to get it settled, but the on line site told me that it was already investagated and resolved---but it wasn't ---says paid in full but amount due with a dollar amount. I am still 2 months later trying to get it resolved. I think it is a total scam that they make money off me, selling MY personal information, yet take no responsibility as to their actions and how it effects their customers!--

Re: Experian

Anonymous — Thu, 01 Nov 2007 16:01:49 GMT

That's strange because my Ex score is way higher (true FICO) than any of the others, no problems with Experian.

Message Edited by amazing on 11-01-2007 09:01 AM

Re: Experian

Anonymous — Thu, 01 Nov 2007 16:19:21 GMT

I like Experian's online dispute system better. I disputed three items online with each of the agency's. With experian, I can see the progress of each individual item. On Transunion, it says "1 out of 3 complete" with no more details. On Equifax, it simply says that I disputed on 10/10/07.

Re: Experian

shalaunda — Thu, 01 Nov 2007 17:12:05 GMT

I have also had the same problem with Experian when trying to get a collection removed. The first time I disputed, the results came back 30 days later as verified. I immediately went back to the website and it did let me dispute again. The results came back 30 days later, and to my surprise it was removed!!! Good luck!!!

Re: Experian

MidnightVoice — Thu, 01 Nov 2007 17:14:30 GMT

Dante would just LOVE EX.

But they do have pretty reports

Re: Experian

Anonymous — Fri, 02 Nov 2007 01:01:56 GMT

LOL -

@MidnightVoice wrote:
Dante would just LOVE EX.
But they do have pretty reports

Re: Experian

Anonymous — Mon, 12 Nov 2007 01:02:25 GMT

I am fighting with them now. I've already reported them to the FTC and now my next step is to sue. I'm trying to find a good lawyer.These people give consumers such a hard time.

Re: Experian

Anonymous — Mon, 12 Nov 2007 16:28:12 GMT

All the agencies are a pain. Equifax is less of a pain when it comes to unauthorized inquiries. Trans Union would not even talk or anything.

All of them have people that have no idea what they are doing.

They are just cutomer service.

Re: Experian

Anonymous — Tue, 04 Dec 2007 13:51:16 GMT

Experian was the easiest of the three to deal with.

I have one disputed trade line with Discovercard that was a charge off. I keep sending my letter from Discover telling them it's the wrong person and that it should be deleted.

I'm not even sure if Experian is to blame because according to conversations with Discovercard, the junk debt buyer (Weltman Weinberg and Reis) is misrepresenting themselves as the original creditor to Experian and re-listing the charge off under my name.

The other issue, again, I have a letter that the derogatorry trade line should be deleted as the card was closed as lost/stolen in 2000. It's wierd because the other two CRA's deleted this one based on the letter I have and the fact the company issued me a new card# in 2000 which I still carry today.

Re: Experian refuses to dispute

Anonymous — Mon, 28 Jan 2008 16:02:08 GMT

Experian needs to be stopped. Please all go to the FTC.Gov, click the tab consumer protection, then the link to "File a complaint" The more we get everyone to file a complaint on Experians unfair practices, not disputing debts, re-aging debts, etc, then maybe we will be one step closer to getting the FTC to do something about it. Also if you have a video camera, record the problems that Experian gives you and show it on youtube. If it makes headlines on youtube, it will make headlines on CNN. Also you can call your local news investigative reporter to do a story on them. The more heat they feel maybe the quicker they will change. Maybe but it all helps.

Re: Experian

Anonymous — Mon, 28 Jan 2008 16:38:53 GMT

I've had several problems with them. I have a judgement that was also a collection. Judgement shows satisfied with all 3 bureaus. Collection shows Paid in status to both TU and EQ but shows "Seriously past due" and nicks my husband each month. I've worked with the collection company. She goes in to update and show it as paid, as she has done with the other 2 bureaus and its still showing wrong. Each time she updates it, there is another ding as collection for the month. I've spoken to experian about the issue in the past and they saw the issue themselves and said "NO PROBLEM", we'll fix it. Each time it gets "fixed" it screws it up even more. I just put a call into the collection agency again. I wish she'd just remove the darn thing. She probably hates hearing from me every month.

Re: Experian

texasbill — Mon, 12 Jan 2009 23:16:23 GMT

I was alerted to an inquiry on my credit from a monitoring service run by Experian for AAA members. I had gone through a BK that has since been discharged, and the hard inquiry was from a creditor discharged in the BK. I called the creditor, and they stated they had not received info from the court that the case was discharged so they did the inquiry to see what the status of the case. I explained that this hurts my credit, and they are willing to fix but do not know how to do this online with their system. I called Experian 2x today and both times, after fighting through the maze of options, got reps who would not accept a dispute of the inquiry and would not help me help the creditor fix their error.

I could not dispute the inquiry online, and they told me that I have to get the creditor to send me a letter to describe why they pulled the inquiry and that they want it dropped! They also told me to tell the creditor to call their Experian business rep to get help with their system and to explain the difference between hard and soft pulls.

I did a search here on the board, and in reading the FCRA I do not think this is a permissible use of the inquiry.

I asked for a supervisor to escalate at Experian, and they sad someone would call me but I am still waiting for that call.

Since it will take a while to get the letter and to send it to Experian, I wanted to ask if others have experienced this lately, and if there are other steps I should or can take to get this inquiry dropped from my report.

Thanks.

Most recent scores: EX: 650 (Haven't pulled since this happened) EQ: 656 TU: 611