topic Re: Dispute "Verified" False Information - Help! in General Credit Topics

Dispute "Verified" False Information - Help!

Anonymous — Tue, 08 May 2007 15:13:16 GMT

I submitted an online dispute last week to Experian for a credit card that was discharged in my September, 2001 BK. They reported as 180 days late through 2004. The verification shows

Account History:
180 days as of Oct 2001
Debt included in Chapter 7 Bankruptcy on Nov 30, 2004

This is clearly wrong, and it doesn't even match the BK entry on the CR, which is dated in 2001. What do I do to correct this? Is there someone I can contact at Experian to deal with this, or should I just ignore it?

Re: Dispute "Verified" False Information - Help!

Anonymous — Tue, 08 May 2007 18:29:26 GMT

Send them a copy of the BK paperwork proving date and ask them to correct immediately. They are guilty of false reporting if they don't change it.

However, from what I've been through - they pretty much do what they want anyway and do get away with a lot of violations to consumers.

Good Luck!

Re: Dispute "Verified" False Information - Help!

Anonymous — Tue, 08 May 2007 18:36:34 GMT

They listed a phone number where I could call for additional information. It only provides the information on the dispute and disconnects you should you attempt to reach an operator. Does anyone know of a special handling number for Experian? I spoke with the creditor, who confirmed that they received a dispute yesterday, but they said they informed Experian that the discharge date was 2001. I'm sending a letter with a copy of the discharge order certified to Experian now. This is rather frustrating!

Re: Dispute "Verified" False Information - Help!

Anonymous — Tue, 08 May 2007 18:39:22 GMT

Frustrating is the understatement. I personally won't call anymore, it's always better to have the papertrail. You are doing the right thing, just a nice letter stating they are incorrectly reporting here is the proof - and ask them to submit the new updated copy to you too.

Re: Dispute "Verified" False Information - Help!

Anonymous — Tue, 08 May 2007 19:04:00 GMT

It is particularly frustrating, because I believe the creditor to be providing them the same, correct information that is being reported on TU and EX.