Question to everyone. Have several items in my Experian report that I disputed couple years ago. There are some things incorrectly reporting in the trade line that I hadn't disputed before. I tried online and gave the the error " previously disputed please upload supporting documents yada yada". I should be able to dispute twenty different in accuracies from the trade line until all the items I deem wrong are corrected. How has anyone gotten around this with Experian? It's not my job to tell them what is wrong or right it's is ther job. Mail my disputes in?
@dragontears wrote:
@tpdtopcop wrote:Question to everyone. Have several items in my Experian report that I disputed couple years ago. There are some things incorrectly reporting in the trade line that I hadn't disputed before. I tried online and gave the the error " previously disputed please upload supporting documents yada yada". I should be able to dispute twenty different in accuracies from the trade line until all the items I deem wrong are corrected. How has anyone gotten around this with Experian? It's not my job to tell them what is wrong or right it's is ther job. Mail my disputes in?
How are they supposed to determine what is "wrong or right" if you don't provide documentation? Without you providing documentation all they can do is ask the creditor to verify the information and since you have already had the creditor verify information on your previous dispute.....
They verified that the trade line belongs to me when I disputed. However now I want to dispute some inaccurate dates associated with the account. It's not my job to provide them this information, they are supposed to verify what I am reporting is wrong with creditor and either update or remove with in 30 day. Isn't this how it works or has it changed since I started doing this in the past five years.
@Onlinecreditnewbie2 wrote:
I too - am dealing with this issue, and have previously as well. Curious - is this a Creditor tradeline or a debt collector?
What is crazy - and then what is actually true - Experian, owns their database, gets sent files and loads them into your credit file regularly. They can tell - when something is wrong....Metro2 - actually helps data furnishers get the information correct - but, sadly - and mostly with negatives...it doesn't happen like that.
But - I am into the data.
Sadly - but factually - even the validation to a Data Furnisher - doesn't mean its data and its reporting - is correct.
1. If - you disputed ta tradeline, online - the initial dispute doesn't allow any - attachment.
2. Even if - as an example, you, file a complaint with the CFPB - and against Experian - they will likely claim you are not who you are (blah blah blah) and close the issue with no response.
What did I do? Because - both the data furnisher and the CRA are responsible for getting the data accurate - I complained to the Creditor/Debt collector.
If you are disputing what the report is saying - and want some feedback on the "data" that's being reported - post a screen shot of the tradeline, minus any personal information.
https://www.usa.gov/credit-reports
Errors on Your Credit Report
If you find errors on your credit report, write a letter disputing the error and include any supporting documentation. Then, send it to:
The credit reporting agency (Equifax, Experian, or TransUnion)
The Information provider that gave the inaccurate information to the credit reporting agency. These providers include banks and credit card companies.
Find a sample dispute letter and get detailed instructions on how to report errors.
The credit reporting agency (CRA) and the information provider are liable for correcting your credit report. This includes any inaccuracies or incomplete information. The responsibility to fix any errors falls under the Fair Credit Reporting Act (PDF, Download Adobe Reader).
If your written dispute does not get the error fixed, you can file a complaint with the Consumer Financial Protection Bureau (CFPB)
mine is with creditors. I disputed some Trade lines and they came back verified a couple years ago. I now want to dispute some errors with in the trade line dates of charge off and what not are incorrect so why can't I dispute something else on the trade line now
I was always under the impression that if I disputed one small aspect of the trade line and it gets verified there could be several other things within that trade line that are also in accurate and I should be able to send letters each and every time something is wrong