Problem with Experian

[Anonymous]

I have recently filed disputes with Experian. They return them updated or they dimiss them altogether saying they believed fraud had accurred. I spoke to thier agent on phone he wantn't to know if third perty credit repair involed .Any thoughts, rebuilding 

[gdale6]

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@Anonymous wrote:

I have recently filed disputes with Experian. They return them updated or they dimiss them altogether saying they believed fraud had accurred. I spoke to thier agent on phone he wantn't to know if third perty credit repair involed .Any thoughts, rebuilding 

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If you are using a 3rd party repair agency then this is very common and they have the right to reject such disputes. I would dispute inaccurate info yourself via US Mail CMRR and if they still take this stance and you provide them new info as to why you are disputing then a CFPB complaint would be in order.

[Anonymous]

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@Anonymous wrote:

I have recently filed disputes with Experian. They return them updated or they dimiss them altogether saying they believed fraud had accurred. I spoke to thier agent on phone he wantn't to know if third perty credit repair involed .Any thoughts, rebuilding 

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Let me geuss...You followed the advice of some site/forum that basically said "dispute every derog and most will be removed" - is that about it?

[Anonymous]

No disputing a item that is over 7 years old from Enhanced Recovery . I sent out LV no response

[RobertEG]

A CRA always retains the right to request proof of identity should they have reason to question the source of a communicaiton.

Just provide them a copy of a government issued ID.

[Anonymous]

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@Anonymous wrote:

No disputing a item that is over 7 years old from Enhanced Recovery . I sent out LV no response

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Fair enough. I'm assuming you meant DV... A DV has nothing to do with reporting of a debt. DV is under FDCPA., which regulates debt collection practices. 

Do you know the actual DoFD of the debt?

[Anonymous]

No I do not . This item has been off of my credit for several years ,and just pop up again

[2b2rich]

@    avinger wrote:
I have recently filed disputes with Experian. They return them updated or they dimiss them altogether saying they believed fraud had accurred. I spoke to thier agent on phone he wantn't to know if third perty credit repair involed .Any thoughts, rebuilding

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@Anonymous wrote:

No disputing a item that is over 7 years old from Enhanced Recovery . I sent out LV no response

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Eh, I'm on the iPad and making these quotes in a post can be a challenge, but anyway. In your first comment you refer to more than one dispute it appears,  and I believe that may be where Normans thought came from, my initial one as well.

have you disputed many items recently, even if they weren't done the same month?

i think most of us can agree that EX can be downright difficult when it comes to this

[Anonymous]

Yes had some old medical bills just trying to clear them as they pop up . My score was in the mid 400 when i started, now I am at 601. 

[Anonymous]

Hi avinger

I recently had the same problem with Experian. I disputed several items CMRR. I included a copy of my SS card and driver's license, so identification wasn't an issue. Problem was I sent one dispute per letter, which triggered the Experian fraud letter. The CSR told me for future reference to send one letter for all the items I want to dispute. She said it's common for credit repair companies to send dispute letters containing only one line item. Experian flags those and it's a good chance they'll kick it. 

Hope this helps.