@Acc-Risk wrote:
Well first of all, there's a reason why it was stated in nearly every EE thread that you NEED to escalate to a supervisor. The point of which is that you're requesting someone who has the ability to do so, to grant your early exclusion on the spot. What the employee you've spoken to has done is to initiate a dispute and verify the debt.
That said though, I think we're mixing up our terms. You're correct, DoFD is not based on the charge off date. You have to be delinquent first before it's charged off. That date doesnt change, ever. Your debt could be sold to 20 different agencies and the DoFD will still be the one reported with the OC. What I think you may be referring to is the reporting date, Remember Experian is a credit REPORTING agency. They don't make the rules, they relay whatever information they are given. The original creditor isn't required to report your debt, and many won't. What CAN happen during a dispute however is an old dormant debt that hasn't been REPORTED in many years, can then report when it's verfified via the dispute, which you have JUST done by not escalating to a supervisor. Now even thought the last reported date will be updated to this month, that STILL doesn't not change the DoFD. What you should have done is hung up, and called back in and requested a supervisor again until you got through.
Call in again today and request EE again, following the guidlines this time.
If you look at the I love Experian thread that was posted just this morning, they were presented the exact same situation - call, ask for supervisor, get told that they can handle the early exclusion request, only they actually got it done.
As someone who used to work in customer service, it’s not uncommon for call centers that are getting inundated with supervisor requests to implement policies of teaching a subset of reps to handle the requests and deny the caller the ability to escalate the call which is exactly what Experian appears to have done here. I don’t know about you but when it comes to a company that holds something as important as my credit score, I really don’t want to tick them off.
Regardless, I have to wait for the dispute to be resolved and go from there. Maybe I’ll get lucky and Ford will let it go like ACS did when I disputed the delinquent dates earlier this year. They let the account fall instead of fixing the errors. Since Ford got their money ages ago, it’s possible they won’t bother and this is just a cautionary tale about being impatient.
