topic Re: Experian not updated after a dispute in General Credit Topics

Experian not updated after a dispute

tooleman694 — Fri, 03 Aug 2018 18:16:32 GMT

My Experian report showed a late payment on an account, it was not late. I submitted an online dispute on it and later they came back saying they resolved the dispute and removed the late. However when I pull my report, it is still showing the late payment.

Is experian sometimes slow to update after they complete a dispute?

Re: Experian not updated after a dispute

WD2005 — Sat, 04 Aug 2018 01:50:18 GMT

I'm in a similar situation. In my case they were reporting duplicate Capital One auto loans that were closed 12/2013. I disputed online and they came back with not only reporting the duplicate accounts but also adding a "Failed to Pay" for this past June. I called them and they removed the duplicate account but the FTP is still reporting. I called again and this time they initiated a dispute instead of removing it. I don't understand why they couldn't remove a FTP for 6/18 when the account closed on 12/13. We'll see I guess.

Re: Experian not updated after a dispute

tooleman694 — Sat, 04 Aug 2018 15:17:10 GMT

I called them up and they said oh you are right, we are going to get this deleted. But then they started a new dispute............. **bleep** it.

I wish it would just go away.

Re: Experian not updated after a dispute

RobertEG — Sat, 04 Aug 2018 20:00:11 GMT

You might wish to send a formal complaint to the CFPB, as the CRA is clearly not in compliance with the FCRA.

To avoid issues such as yours after conclusion of a dispute, FCRA 611(a)(6)(B)(ii) specifically requires that the Notice of Results of Reinvestigation, which must be sent within 5 business days after conclusion of the 30-day reinvestigation period, must include as part of its content a revised copy of your credit report showing that they have actually entered the correction/deletion into your file/report.

Since they have not done so, they are in clear violation of section 611(a)(6)(B)(ii).

A letter from the CFPB will get their immediate attention......

Re: Experian not updated after a dispute

tooleman694 — Sun, 05 Aug 2018 05:24:14 GMT

Thanks for that, if it is not cleared up from this dispute I will go that route.

Re: Experian not updated after a dispute

tooleman694 — Tue, 07 Aug 2018 05:59:37 GMT

Just got an update from Experian, says they corrected it. Report looks ok now, but not deleted like they said.

I am going to stay up way past midnight and pull a new report when it is free from Experian and see what it says. If same results im reporting them.

Re: Experian not updated after a dispute

tooleman694 — Tue, 07 Aug 2018 07:03:50 GMT

Still not updated.......... im pissed

Re: Experian not updated after a dispute

tooleman694 — Tue, 07 Aug 2018 13:59:14 GMT

I reported them.

Re: Experian not updated after a dispute

tooleman694 — Tue, 14 Aug 2018 22:20:33 GMT

And it is finally resolved......... well I hope. EX got back to and said they are going to remove the late. Lets see if they actually do it this time.

Re: Experian not updated after a dispute

tooleman694 — Thu, 16 Aug 2018 22:18:00 GMT

The late was removed, score recovered like 60 points.

Re: Experian not updated after a dispute

Medic981 — Sun, 19 Aug 2018 17:57:12 GMT

I feel your frustration!

Re: Experian not updated after a dispute

Queen_Etherea — Wed, 22 Aug 2018 20:36:18 GMT

@tooleman694 wrote:
My Experian report showed a late payment on an account, it was not late. I submitted an online dispute on it and later they came back saying they resolved the dispute and removed the late. However when I pull my report, it is still showing the late payment.

Is experian sometimes slow to update after they complete a dispute?

How long did it take Experian to finish the dispute? I submitted a few last week on Monday and am patiently waiting. I don't know why it takes so long to remove me as an authorized user, but apparently, it does.

Re: Experian not updated after a dispute

tooleman694 — Wed, 22 Aug 2018 22:25:44 GMT

7 days.