OK, I have asked a couple times if anyone has had any luck with sending an ITS letter to Experian for refusing to reinvestigate, and no one has answered. This tells me that Experian just does not care.
So, let me ask this then, since I know people have sent ITS letters to Experian on this forum. What response did you get from them?
Thank you.
Starting Score: 583 EQ, 612 EX, 569 TU
Maybe I miswrote which letter it is. An ITS letter is an Intent To Sue letter. Basically I have an account that is only showing up on Experian, which they say they have "verified." They will not re-verify it, which is illegal from my understanding. I send the following letter, which I used the example that one poster gave.
On October 1, 2007 you received a dispute letter, and on October 17, 2007 I initiated an online dispute for an item which does not belong to me on my credit report. The item is as follows:
Capital One Bank
Account Number ..........….
Date Opened: 04/2002
Last Reported: 08/2003
FCRA Section 611(a)(1)(A) clearly states that upon receipt of a dispute, Experian is to perform an investigation. Obviously, this did not hold true of my written dispute on October 1, 2007 and my online dispute on October 17, 2007. On October 15, 2007 I received a letter from you and on October 17, 2007 I received notice from Experian that my dispute had been "previously investigated". According to the FCRA, this is not an option.
Because of your blatant disregard for the FCRA, not once but twice, I am demanding that the disputed tradeline be deleted from my credit report. I am guaranteed, by law, that you will report with 100% accuracy and that any account I dispute will be investigated. You have proven that this cannot be done.
You now have 5 days from your receipt of this letter to remove the previously disputed account from my credit report. Be advised, that my attorney has in his possession all the letters and supporting documentation regarding this matter. If the accounts in question are not deleted he will file suit in Federal Court.
You will find the following items accompanying this letter. 1) Copy of credit report with highlighted account that does not belong to me, 2) The two pages received that showed that you refused to investigate an incorrect item, 3) Copy of my driver’s license and social security card, 4) Copy of an utility bill.
Sincerely,
Sorry for the long post, but just wanted to give you the info you needed. I will proceed with legal proceedings if they do not remove this.
Thanks.
bump................Anyone out there ever sent anything like this to EX?
