topic Re: Experian does not delete in Rebuilding Your Credit

Experian does not delete

Anonymous — Wed, 03 Oct 2012 12:49:55 GMT

I challenged a collection account. It was a bogus account I am not responsible for. TU and EQ deleted them item but experian verified it? I didn't get a letter from the collection agency after verification. I tried to dispute again but ex would not let me. I made a statement it was unauthorized charges. Anyone know why ex is like this? Did they really validate the debt?

Re: Experian does not delete

Shogun — Wed, 03 Oct 2012 12:51:52 GMT

I've had the same experience with EX. They seem to validate everything. Send the dispute by mail, you will need documentation to support your dispute.

Re: Experian does not delete

Anonymous — Wed, 03 Oct 2012 13:21:17 GMT

Samer experience with EX as well.

After I mailed the supporting documentation 4 times, they deleted.

Prior to that - was coming back as "verified" when they other other CRAs had already deleted.

Re: Experian does not delete

diabla — Wed, 03 Oct 2012 14:11:26 GMT

I thought it was the rule that if one CRA deleted then they all had to? I thought they shared the information? I'm sure I read that somewhere - may not be right though, just wondering.

How do they validate if the CA doesn't respond?

Edit; Just read my answer in another thread - apparently the CRAs don't do that with each other, but its up to you or the CA to inform them of the determination.

Re: Experian does not delete

Shogun — Wed, 03 Oct 2012 17:00:56 GMT

One CRA doesn't care what the other CRAs delete or don't delete. They don't communicate with each other.