Disputing Experian on-line?

[Anonymous]

Has anyone found it possible to dispute Experian on-line?  I was turned down for credit and provided the website address.  I filled out all my info and now they want a copy of I.D., a utility bill, and a copy of the letter. 

When I tried to dispute after pulling my CR from myfico, they demanded I.D. and utility bill.  They say it's the interests of my "privacy" and for fraud protection.

BUT.....when I pay them to pull a report, they always let me access it.  I'm assuming this is like the old protocol for insurance companies, deny valid claims or make them extremely hard to file, and you'll have a large percentage of people just give up.

[MidnightVoice]

I disputed on line and had to answer a bunch of questions, but did get the dispute through

[Anonymous]

I only started getting the proof of ID requests a few months ago, leading me to believe the CRA's are getting more savvy with methods to invalidate you and tightening down the process. P's me off because it delays the entire process. And, they send out canned responses that don't even reference the dispute in question so you don't know which one to resubmit with ID. As a matter of practice now I send in a photocopy of my DL, SSN and a utility bill showing my name and address. I have these on hand and send with any disputes (CMRRC) now so they can't pull the "we don't know if it's really you so we're going to do nothing" card.

Message Edited by devhip on 05-22-2007 09:56 AM

[Anonymous]

But if you want to buy anything from them, you could admit you're that nigerian prince who needs you to wire him money over the internet guy, and they'll still give you the info!

[Anonymous]

JMHO, but, the online dispute function for Experian SUCKS.  You have to select your dispute from their pathetic little list or select OTHER and then they only allow you something like 100 words to describe your dispute. Who are they kidding?  This system is set up solely for the purpose of thwarting your attempts to correct their mistakes in your credit history. I say "their" mistakes, because am I to believe that the other two credit reporters get the correct information from a creditor, but poor ole Experian is being fed incorrect information from the same creditors?  Sorry to go on a rant, but I am in the middle of this very dispute, and getting Experian to respond with anything other than a form letter seems to be next to impossible.

Message Edited by KevKaos on 05-22-2007 12:34 PM

[Tuscani]

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KevKaos wrote:

JMHO, but, the online dispute function for Experian SUCKS.  You have to select your dispute from their pathetic little list or select OTHER and then they only allow you something like 100 words to describe your dispute. Who are they kidding?  This system is set up solely for the purpose of thwarting your attempts to correct their mistakes in your credit history. I say "their" mistakes, because am I to believe that the other two credit reporters get the correct information from a creditor, but poor ole Experian is being fed incorrect information from the same creditors?  Sorry to go on a rant, but I am in the middle of this very dispute, and getting Experian to respond with anything other than a form letter seems to be next to impossible.

Message Edited by KevKaos on 05-22-2007 12:34 PM

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I see you have not tried to dispute online with CSC.

[Anonymous]

http://www.experian.com/rs/fi2.html

[Anonymous]

Chase education loan on my credit report is not mine. It have been remove once before, but now its back on there. Also, someone have been making payments on the account for the last few months and it sure wan't me. This should be removed from my credit report and never returned again.

[haulingthescoreup]

Hi, welcome to the forums!

You posted on a thread that is over three years old. That's fine, but info on old threads is often out of date.

Did you have a question about disputing?

[Anonymous]

i was not out in from 2007 until2010