j9284
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Sub: #1 Will a deletion from Transunion also cover Experian?
Replied on 11-03-2009, 11:43 AM
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I have been working with Transunion and a few things have been deleted off of my credit report. Will these things also be taken off my report with Experian or do we deal with each agency separately?? Thanks.



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Send message to kfstaff24
Sub: #2
Replied on 11-03-2009, 11:49 AM
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Sometimes when you deal with one they magically fall off another but most of the time you should do separate disputes and keep all paperwork for your records.

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Sub: #3
Replied on 11-20-2009, 11:15 AM
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In my experience, NO. I have been going through a nightmare with EXPERIAN. There is one negative charge on my report. A card that was never activated, yet the company continued to charge me monthly late fees for three years. After three years of "disputing" on my own and getting nowhere (because the credit reporting agencies merely ask if the debt is owed; they do NOT investigage), I was forced to seek help through the State Attorney General's Office. Fortunately, the issue was resolved; the debt collector requested all three agencies to remove this negative report; filed a Universal Data Form requesting it be deleted, etc. TransUnion and Equifax took this off my report immediately. Experian claimed they never received. I have TWICE sent them copies of the above. Still, they asked me to file an on line dispute again!!! After doing so, I was just informed today, that the charge has been again updated as VALID!!!!! Where do I go from here??? I cannot believe I now have to go back to the Attorney General's Office. I am seriously thinking the best solution would be to file a complaint with the Federal Trade Commission. I truly believe they just do not want to be bothered. They have many addresses; no one answers the phone; and they have no e-mail address. Yet, they have the ability to ruin a person's credit. SOMETHING IS DEFINITELY WRONG!!!!!!!!!!!!! I CANNOT BE THE ONLY ONE WHO'S HAD PROBLEMS WITH EXPERIAN.


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Sub: #4
Replied on 11-22-2009, 07:27 PM
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You have proof that the debt is listed in error? Hang onto it, as you will need it.

Experian are dicks, in my experience. Send them a letter demanding removal of this item immediately. State in the letter that they have thirty days to comply, otherwise you will sue them silly for violating the Fair Credit Reporting Act. Give them thirty days, because they update on a thirty day cycle. Enclose a copy of your proof. Send the whole shebang to them certified mail, return receipt requested, and keep the return receipt card to bolster your case.

If they have not complied within thirty days of receiving your letter, file suit. It's an easy thousand bucks, and they're begging you to take it.

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