topic Problem with Experian in Rebuilding Your Credit

Problem with Experian

Anonymous — Fri, 26 Jun 2015 12:23:16 GMT

I have recently filed disputes with Experian. They return them updated or they dimiss them altogether saying they believed fraud had accurred. I spoke to thier agent on phone he wantn't to know if third perty credit repair involed .Any thoughts, rebuilding

Re: Problem with Experian

gdale6 — Fri, 26 Jun 2015 19:26:44 GMT

@Anonymous wrote:
I have recently filed disputes with Experian. They return them updated or they dimiss them altogether saying they believed fraud had accurred. I spoke to thier agent on phone he wantn't to know if third perty credit repair involed .Any thoughts, rebuilding

If you are using a 3rd party repair agency then this is very common and they have the right to reject such disputes. I would dispute inaccurate info yourself via US Mail CMRR and if they still take this stance and you provide them new info as to why you are disputing then a CFPB complaint would be in order.

Re: Problem with Experian

Anonymous — Fri, 26 Jun 2015 20:02:42 GMT

@Anonymous wrote:
I have recently filed disputes with Experian. They return them updated or they dimiss them altogether saying they believed fraud had accurred. I spoke to thier agent on phone he wantn't to know if third perty credit repair involed .Any thoughts, rebuilding

Let me geuss...You followed the advice of some site/forum that basically said "dispute every derog and most will be removed" - is that about it?

Re: Problem with Experian

Anonymous — Fri, 26 Jun 2015 23:00:50 GMT

No disputing a item that is over 7 years old from Enhanced Recovery . I sent out LV no response

Re: Problem with Experian

RobertEG — Fri, 26 Jun 2015 23:22:27 GMT

A CRA always retains the right to request proof of identity should they have reason to question the source of a communicaiton.

Just provide them a copy of a government issued ID.

Re: Problem with Experian

Anonymous — Fri, 26 Jun 2015 23:44:04 GMT

@Anonymous wrote:
No disputing a item that is over 7 years old from Enhanced Recovery . I sent out LV no response

Fair enough. I'm assuming you meant DV... A DV has nothing to do with reporting of a debt. DV is under FDCPA., which regulates debt collection practices.

Do you know the actual DoFD of the debt?

Re: Problem with Experian

Anonymous — Sat, 27 Jun 2015 13:25:03 GMT

No I do not . This item has been off of my credit for several years ,and just pop up again

Re: Problem with Experian

2b2rich — Sun, 28 Jun 2015 02:35:30 GMT

@ avinger wrote:
I have recently filed disputes with Experian. They return them updated or they dimiss them altogether saying they believed fraud had accurred. I spoke to thier agent on phone he wantn't to know if third perty credit repair involed .Any thoughts, rebuilding

@Anonymous wrote:
No disputing a item that is over 7 years old from Enhanced Recovery . I sent out LV no response

Eh, I'm on the iPad and making these quotes in a post can be a challenge, but anyway. In your first comment you refer to more than one dispute it appears, and I believe that may be where Normans thought came from, my initial one as well.

have you disputed many items recently, even if they weren't done the same month?

i think most of us can agree that EX can be downright difficult when it comes to this

Re: Problem with Experian

Anonymous — Sun, 28 Jun 2015 11:31:37 GMT

Yes had some old medical bills just trying to clear them as they pop up . My score was in the mid 400 when i started, now I am at 601.

Re: Problem with Experian

Anonymous — Sun, 28 Jun 2015 14:14:04 GMT

Hi avinger

I recently had the same problem with Experian. I disputed several items CMRR. I included a copy of my SS card and driver's license, so identification wasn't an issue. Problem was I sent one dispute per letter, which triggered the Experian fraud letter. The CSR told me for future reference to send one letter for all the items I want to dispute. She said it's common for credit repair companies to send dispute letters containing only one line item. Experian flags those and it's a good chance they'll kick it.

Hope this helps.

Re: Problem with Experian

Anonymous — Mon, 29 Jun 2015 12:40:12 GMT

Thanks that does help . That was the info I needed

Re: Problem with Experian

Anonymous — Mon, 29 Jun 2015 14:38:24 GMT

You need to *somehow* establish when the default actually occurred, in order to dispute it as being too old to report. The best way to do this is with an old EQ report showing the reported DoFD of the original item.

What sort of debt was this?