What exactly does this mean? This is a Sears card and I thought it would be reputable?

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I was recently denied credit by a bank credit card issuer. The stated reason was that Experian was unable to verify my address and telephone number. I have lived continuousy at the same address for 12 years with the same telephone number. I first obtained credit in 1957 and have never been denied since. I have had three different mortgages during that over 50 year period along with credit cards, utility bills, car loans and about anything else you can think of.

Although I don't see how it is possible, Experian was not able to verify my address and telephone number, I do understand mistakes can be made.

I attemped to contact Experian by telephone and found that to be impossible. I finally reached the corporate office and was told to send all the documentation I had to confim my address, telephone number, social security number, driver's license and other information. I sent it registered mail and Experian signed for it on April 3rd. Still no response from them.

This situation is ludicrous. We aren't talking about a bad mark on my credit, we are talking about the inept jerks at Experian not being able to verify my address and telephone number. The telephone number seems easy enough, just call me! If I answer the telephone, it must be me, right?

Now, the question becomes, how much business do merchants and banks lose due to Experian's ineptness. Also, how many of Experian's errors cause credit to be extended to unworthy borrowers. Mistakes can go either way. The best question is why can't minor problems such as this be resolved in 10 minutes or less with a simple telephone call.

Over 50 years using credit and this is the first time I have ever had any problem and Experian caused it.

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I had a excellent experience and getting fraudulent accounts off my credit report. If you have your case in Specialized Unit @ Experience. Ask to speak to Mrs. Ford ( Supervisor),she will actually get things done on your case. Also for the equifax, contact the main phone (404) and ask operator to transfer you to dinah watson or gail barnes or the othe executive cust service reps. NOT the customer reps who ask the phone. The Exec cust svc are with the CEO office and can resolve your issues faster.

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You can email or call the main phone # and ask for Patricia "Trish" Graybeal as she is the Head person of the Executive Customer Service @ EXUIFAX.. I'm really sick of them now, they now remove my online service to check my credit report. I believe this will be a lawsuit to take them to court!! When you enter you report # after the prompts for a rep, you should get some to answer. Also if you're a fraud victim( you get priority and can ask for Mrs. Ford or Mrs.Junes in the FRaud Dept to dispute you report or inquiries. You have to cert mail you police report , ID/ SSN, and affidavit of forgery to geta freeze on your credit report, you have to request a freeze ( free in certain state according to laws, some you have to pay for the freeze.)

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I am seriously considering writing to the Senate Finance Commitee about Experian's not having any personal customer services aside from the automated one--which gives no option for interfacing with a live person.

Experian, though, is quick with two other options: (1) Give us your money for a credit report and (2) hang up.

Now, Experian has the nerve to not subscribe to FICO scoring. Experian should be put out of commission.

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I am seriously considering writing to the Senate Finance Commitee about Experian's not having any personal customer services aside from the automated one--which gives no option for interfacing with a live person.

Experian, though, is quick with two other options: (1) Give us your money for a credit report and (2) hang up.

Now, Experian has the nerve to not subscribe to FICO scoring. Experian should be put out of commission.

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Is there a phone number where you can speak to someone, without a report #? I have an item to dispute, but it does not show up on the report got from them! It shows up on the report that was given to me by my mortgage broker.

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I HAVE A BANKRUPTCY THAT I FILED IN 2000. I HAVE HAD NO PROBLEMS GETTING A LOAN AFTER THE SEVETH YEAR. NOW ALL OF THE SUDDEN ONE OF THE BANKS PUT ON MY REPORT THAT I FILED BANKRUPTCT IN 2003, WITCH NOW LOOKS LIKE ONLY 6 YEARS OUT OF TH E BK. I FILED AN ON LINE DISPUTE AND EXPERIAN SENT IT BACK SAYING THAT IT WILL STAY ON MY FILE FOR SEVEN YEARS. THAT BANK FILED THE WRONG YEAR AND NOW I CAN'T GET IT OFF MY FILE BECAUSE I CAN'T GET A LIVE PERSON OR A GOOD MAILING ADDRESS TO SHOW PROOF THAT IT IS FALSE. EXPERIANS BOARD OF DIRECTORS OR WHO EVER SET THIS SYSTEM UP NEEDS TO FIRED. NO WONDER THE ECONOMY IS IN TROUBLE. HAVE OF US WOULD HAVE GOOD CREDIT IF WE COULD GET OUR PROVABLE DISPUTE TAKEN CARE OF.

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If you have the documentation to show the 2000 BK filing and EX will not correct, sue them for will non-compliance. Add the bank to the suit as well.

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have a freind ( Rod) has Parkinsons)..just applied for some little credit card from Target. Did not get instant credit... Tried getting info from Experian.....He thinks former girlfriend or sons ( may have used his ss number.. EXPERIAN WANTS $6 free credit report.... How can a company judge a person based on ironious info with our responding at no charge. he finally met me with a computer........ anyone out there that could help..... thanks Jeri . please help

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please contact with info at email address removed - Jason as we ( jeri/rod will more than likely not monitor this site... A Really big thank you ....J

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In the event that I'm forced to sue for violations of the FCRA, what are my options as far as retaining an attorney. I've contacted several lawyers in my state, Washington, and they never practice in this area of law. Moderators help please =D

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Have you tried www.naca.net ?

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I have been looking for the Experian Mailing Address for disputes and have come accross several different P.O. Boxes, so I called their office in Costa Mesa, CA (info provided on this page) and verified, and none of the ones I have found so far have actually been correct. For the record the dispute address is below:

Experian
P.O. Box 9701
Allen, TX 75013
888-397-3742

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I don't have a report number and i can't pass thru it..omg their service sucks but had a luck with equifax and Transunion.. they were really nice and helpful.

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You can notify them by phone regarding your current issue. If it is a concern with your current address; they can inform you of the documents they have received and why they were insufficient. Sometimes the clarity of the documents and be deemed as a refusal. If you are still having problems, feel free to contact me at the number below, and I would be glad to run you through it.

Derrick Bertelsen
phone number deleted.

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