Experian

[shalaunda]

I have also had the same problem with Experian when trying to get a collection removed. The first time I disputed, the results came back 30 days later as verified. I immediately went back to the website and it did let me dispute again. The results came back 30 days later, and to my surprise it was removed!!! Good luck!!!

[MidnightVoice]

Dante would just LOVE EX.

But they do have pretty reports 

[Anonymous]

LOL -

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@MidnightVoice wrote:

Dante would just LOVE EX.

But they do have pretty reports

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[Anonymous]

I am fighting with them now. I've already reported them to the FTC and now my next step is to sue. I'm trying to find a good lawyer.These people give consumers such a hard time.

[Anonymous]

All the agencies are a pain. Equifax is less of a pain when it comes to unauthorized inquiries. Trans Union would not even talk or anything.

All of them have people that have no idea what they are doing.

They are just cutomer service.

[Anonymous]

Experian was the easiest of the three to deal with.

I have one disputed trade line with Discovercard that was a charge off.  I keep sending my letter from Discover telling them it's the wrong person and that it should be deleted. 

I'm not even sure if Experian is to blame because according to conversations with Discovercard, the junk debt buyer (Weltman Weinberg and Reis) is misrepresenting themselves as the original creditor to Experian and re-listing the charge off under my name.

The other issue, again, I have a letter that the derogatorry trade line should be deleted as the card was closed as lost/stolen in 2000.  It's wierd because the other two CRA's deleted this one based on the letter I have and the fact the company issued me a new card# in 2000 which I still carry today.

[Anonymous]

Experian needs to be stopped. Please all go to the FTC.Gov, click the tab consumer protection, then the link to "File a complaint" The more we get everyone to file a complaint on Experians unfair practices, not disputing debts, re-aging debts, etc, then maybe we will be one step closer to getting the FTC to do something about it. Also if you have a video camera, record the problems that Experian gives you and show it on youtube. If it makes headlines on youtube, it will make headlines on CNN. Also you can call your local news investigative reporter to do a story on them. The more heat they feel maybe the quicker they will change. Maybe but it all helps.

[Anonymous]

I've had several problems with them. I have a judgement that was also a collection. Judgement shows satisfied with all 3 bureaus. Collection shows Paid in status to both TU and EQ but shows "Seriously past due" and nicks my husband each month. I've worked with the collection company. She goes in to update and show it as paid, as she has done with the other 2 bureaus and its still showing wrong. Each time she updates it, there is another ding as collection for the month. I've spoken to experian about the issue in the past and they saw the issue themselves and said "NO PROBLEM", we'll fix it. Each time it gets "fixed" it screws it up even more. I just put a call into the collection agency again. I wish she'd just remove the darn thing. She probably hates hearing from me every month.

[texasbill]

I was alerted to an inquiry on my credit from a monitoring service run by Experian for AAA members. I had gone through a BK that has since been discharged, and the hard inquiry was from a creditor discharged in the BK. I called the creditor, and they stated they had not received info from the court that the case was discharged so they did the inquiry to see what the status of the case. I explained that this hurts my credit, and they are willing to fix but do not know how to do this online with their system. I called Experian 2x today and both times, after fighting through the maze of options, got reps who would not accept a dispute of the inquiry and would not help me help the creditor fix their error.

I could not dispute the inquiry online, and they told me that I have to get the creditor to send me a letter to describe why they pulled the inquiry and that they want it dropped! They also told me to tell the creditor to call their Experian business rep to get help with their system and to explain the difference between hard and soft pulls.

I did a search here on the board, and in reading the FCRA I do not think this is a permissible use of the inquiry.

I asked for a supervisor to escalate at Experian, and they sad someone would call me but I am still waiting for that call.

Since it will take a while to get the letter and to send it to Experian, I wanted to ask if others have experienced this lately, and if there are other steps I should or can take to get this inquiry dropped from my report.

Thanks.

Most recent scores: EX: 650 (Haven't pulled since this happened) EQ: 656 TU: 611