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I have been in a fist fight with Experian over a tradeline that falsely appears on my credit report. Its a PenFed auto refi loan and is marked as in default since 2008. Now the thing is that I have never bought or refinanced a car. I have been driving the same clunker my dad left me since he died when I was 16. I have written to Experian at least 3-5 times stating that the debt is not mine as I have never done business with PenFed but the replies are always the same generic stuff about them investigating and then finding the debt to be valid. What do I do to clean up this mess? I live in Parker, Arizona.




Have you tried dealing with PenFed directly??


Sub: #1 posted on Mon, 05/06/2013 - 07:07

SOAPLADY SOAPLADY
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(Posts: 17319 | Credits: )

I agree with Soap Lady - I would contact PenFed directly to get them to prove the debt.


Sub: #2 posted on Thu, 05/09/2013 - 17:17

momofthree27 momofthree27

(Posts: 358 | Credits: )

The debt does not exist....they are in violation of the FCRA and have no permissible purpose to report on his report. The OP needs to threaten to sue them for damages!!!


Sub: #3 posted on Thu, 05/09/2013 - 18:08

SOAPLADY SOAPLADY
Moderators Cum Industry Expert
(Posts: 17319 | Credits: )

THought....PENFED has a facebook page....try social media to complain.


Sub: #4 posted on Thu, 05/09/2013 - 18:08

SOAPLADY SOAPLADY
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