I sent in snail mail, to all 3 bureaus, some personal information disputes asking for things to be updated, giving corrected information, and requiring old and incorrect information to be removed completely. I did this for both my hsuband and myself.
Experian responded to my hsuband's letter stating one of the accounts I disputed at the same time came back verified which really is ticking me off. Then I got a letter from Experian stating that they received a suspicious request regarding his personal information and that they were not taking action on it because they determined it was not send by him. They are also saying that they will no longer respond to requests sent in by mail. They are stating that if we want to fix anything it needs to be done online or over the phone.
um....aren't they suppsoed to allow us to dispute by mail? This seems like total BS and it makes me mad. They are suppsoed to fix personal information that I ask to have corrected, and this is a totally incorrect response. What should I do?
Me too! Although my letter did not say I couldn't use mail. They did say to be sure to include ALL of the following: full name including middle initial and generation; SSN; current mailing add; DOB; and previous add. Also, include the account name and number for any item wishing to dispute, AND to state the specific reason why the info is inaccurate. When I re-read my original letter, I realized that I hadn't included this info. So I just re-sent everything carefully making sure that I enclosed ALL of the info they suggested.
Yes, it is total BS.
You are entitled, under FCRA 611(a). to dispute any prior credit reporting by anyone that is included in your credit file.
You can do it by communication with the CRA, and NEVER have to do it through any automated process set up by the CRA.
If they tell you otherwise, just send them the only requiremtent that is set forth under FCRA 611(a). And that is simply that you "notify the agency .. of the dispute."
Babbet, yeah it was not even a request to further identify. It was a flat out "don't write us anymore"
Robert, thanks. I will send them another request along with a letter expressing my anger.