Trouble with Experian dispute

Now I just checked my report and my credit score keeps going down everytime they do an investigation. What a joke this system is.

Sounds like Harcourt/Oxford needs to report it to the bureaus that it is PAID IN FULL. Call them and raise holy heck that the account needs to be deleted as their negligence is causing your credit to be tarnished.

how are you sending your letters mail the letter to experian certified continue writing to experian every 30 days and certify the letter and keep copies of everything that you send to them. PERSISTENT IS THE KYE WITH THIS BUREAUS.

Been months and still nothing. I have letters from both oxford and harcourt that show I owe $0, and experian keeps sending me a letter saying they can't use it. This is ridiculous.

That is ridiculous. What exactly does Experian need? Escalate, escalate, escalate. At Experian I mean. Keep track of who you talk to and when, if you get same run around, ask for their manager, and if no satisfaction, ask for their manager and so on until you get some satisfaction. Everybody has a boss, even if they tell you they are the top of the chain. If you have a letter that states the debt is paid, there is no reason that you should be jerked around. Don't take sorry can't help you for an answer!

Experian is terrible about updating your credit report and it seems like take forever to investigate a dispute. I wonder if I will ever hear back from them in a timely manner in regards to them comparing my TransUnion report to their own report. If I don't hear back from them by month's end, I will definately be making a phone call to them.

ChocolateBeauty , have a free sitting with a lawyer also because the success rate in your case is 100 percent. And the credit bureau is trying to do a willful injury or defamation to your credit. There are legal ways to sue even a credit bureau also along with the company that is keeping negative information in your credit. With the price after winning from the lawsuit, use a portion to pay off the attorney fees and apply the remaining amount towards paying other debts.

Christina: Thanks for the advice. :) I am so sick and tired of waiting and waiting and not getting any results. Just imagine how many people they've done this to and the people aren't "educated" to know what step to take next. I will definately make a few phone calls tomorrow and see what can be done.

I wish you all the luck and get this matter solved. :) think about your credit file and imagine how much the scores are getting affected due to incorrect negative info.

I am thinking the same thing. I just want to clear up any discrepancies on my credit reports. I don't want to go and try to get any thing until I get these matters taken care of. I don't want to be denied credit, because of something that shouldn't be on my credit report. Thanks for the support! :D I appreciate it.

If you are having problems with credit reporting, you can sue them in a Federal court. go to http://www.myfaircredit.com/ to find out more.