Experian REFUSES to Investigate Disputes

[Anonymous]

Has anyone else experienced this?

A couple of years ago, I lived close-by (on the same street, but a different house number) to someone who shares my same first and last name and picked up a few negative items on my credit report.

I have disputed these items, starting in November 2007. Trans-Union has removed them all. Equifax has removed three out of five, the remaining two are still under investigation.

I have tried TWICE to dispute these items with Experian, to no avail. I provided as much information as I could, including copies of my drivers license, social security card and apartment lease.

They sent me one letter each time I disputed these items, but they share the exact same language. They state that they have received a dispute, but that it is not coming from me, so under the law they do not have to investigate the disputes.

I cannot understand this! I wrote BOTH dispute letters MYSELF! I have NOT hired a "credit repair" firm, and I included all of the documentation recommended when sending in a dispute.

Has anyone else been through this? I am starting to think that Experian will simply NOT delete any negative items, no matter WHAT THE CIRCUMSTANCES, and that I may have to hire an attorney to clear this up.

Any suggestions appreciated!!!

Thanks,

Jeff

[Red1Blue]

Send them a letter asking what makes them to think it is not who wrote the letter. Also you might want to look into the language how you wrote in your letter. There are very good letters on this forum and you might want to find one and use that as template. Most of the time Credit Repair firms use a certain style of language and it is easy to spot that is coming from repair company.

[Anonymous]

Do you have all the docmentation to back this up?

If you have a solid paper trail - contact naca.net for a consult from a lawyer.  Ex recently lost a huge case with similar stuff.

[Anonymous]

Its time for class action suits against debt collectors such as AFNI for NOT validating and continued collection activities on consumer reports AS WELL AS class action law suits for Firms such as Experian who continues to educate their employess to not investigate consumer disputes knowing they are deliberately breaking the law.

Unfortunately the only thing they will understand is being hit where it matters most.

https://www.lawyersandsettlements.com/submit_form.html?label=unfair-business

I have posted out there to gain attorney attention and have been answered.

[Anonymous]

You could also try to request a supervisor at Ex if they have them?

Message Edited by ilovepizza on 01-13-2008 10:17 PM

[Anonymous]

You could also try FTC.gov, Federal Trade Commission. They also take disputes and it's free. You can dispute against EX for not excepting your valid disputes.

[Junejer]

Jeff, that's EX's way.  They simply do what they can to pull a stall.  Following is a list of numbers that Noah_Bodie listed in an earlier thread.

EXPERIAN NUMBERS
888-397-3742
888-972-5722

VOICE MAIL
972-390-3814

SUPERVISORS
972-390-4000
972-390-4001
972-390-4002
972-390-4003
972-390-4004
972-390-4005
972-390-4006
972-390-4007
972-390-4008
972-390-4009
972-390-4100
972-390-4101
972-390-4102
972-390-4103
972-390-4104
972-390-4105
972-390-4106
972-390-4107
972-390-4108
972-390-4109
972-390-3046 JOHN RORGE
972-390-3816 ANDREA GREEN
972-390-4068 TOTAL RECALL
972-390-4087 BETHANY ISEMAN SUPERVISOR OF CUSTOMER RELATIONS
972-390-4088 KEN
972-390-4121 ANNETTA WALKER
972-390-4122 LEAD VIP TEAM
972-390-4123 ELIZABETH
972-390-4124 LISA WALLACE
972-390-4126 PAUL SUPERVISOR OF THE TOP GUN TEAM
972-390-4127 GREG MCGOWAN
972-390-4128 CHE
972-390-4130 CARLA BLAIR SUPERVISOR SPECIAL SERVICES
972-390-4131 KERRI IDEE SUPERVISOR
972-390-3000
972-390-3569
972-390-3809
972-390-3811
972-390-3942
972-699-6046
972-699-6081

FAX NUMBERS
407-551-1955 FLORIDA
714-385-7349
714-830-2449
800-301-7196
877-454-1010
972-390-1680
972-390-3809
972-390-3838
972-390-3850
972-390-3974
224-698-5375

 

[TryingVeryHard]

972-390-4000
972-390-4001
972-390-4002
972-390-4003
972-390-4004
972-390-4005
972-390-4006
972-390-4007
972-390-4008
972-390-4009
972-390-4055 DOUGLAS HOLLON ***
972-390-4100
972-390-4101
972-390-4102
972-390-4103
972-390-4104
972-390-4105
972-390-4106
972-390-4107
972-390-4108
972-390-4109
972-390-3046 JOHN RORGE
972-390-3816 ANDREA GREEN
972-390-4068 TOTAL RECALL
972-390-4087 BETHANY ISEMAN SUPERVISOR OF CUSTOMER RELATIONS
972-390-4088 KEN
972-390-4121 ANNETTA WALKER
972-390-4122 LEAD VIP TEAM
972-390-4123 ELIZABETH
972-390-4124 LISA WALLACE
972-390-4126 PAUL SUPERVISOR OF THE TOP GUN TEAM
972-390-4127 GREG MCGOWAN
972-390-4128 CHE
972-390-4130 CARLA BLAIR SUPERVISOR SPECIAL SERVICES
972-390-4131 KERRI IDEE SUPERVISOR
972-390-3000
972-390-3569
972-390-3809
972-390-3811
972-390-3942
972-699-6046
972-699-6081

[Anonymous]

Impressive!

[Anonymous]

Whoa...the motherload.