EXPERIAN Credit Bureau Experian is ruining credit by putting false info on report. rip-off Allen Texas
I paid off a 96 Toyoto I purchased in 1996. This car was never included in the Chapter 13 I filed. I had proof of this and mailed a copy to the Experian credit bureau, but they refused to remove this from my credit report. They claim the car was included because it wasn't paid for. I have the pink slip and a copy of a congratulations letter from Ford Motor credit for the pay off of my car.
Experian has ruined my fiancee' credit who was a co-owner of my car by putting he was in a Chapter 13. This man had gold credit and Experian is ruining it by putting false info on his report.
I would love to be in a law suit with this dirty-no-good company who continues to ruin people lives by screwing up thier credit.
Mary
San diego, California
U.S.A.
1 Updates & Rebuttals
Michelle
Dallas,Texas,
U.S.A.
it's not the credit bureau
#2Consumer Suggestion
Mon, April 14, 2003
I promise!! I went ROUND and ROUND with citigroup/herley state bank on something VERY similar (i.e. filed personal bankruptcy but REAFFIRMED all of our debt that had collateral attached).
The responsible party is the creditor - even if the car wasn't "included" in your bankruptcy - it was - it was just "reaffirmed" - it HAS TO BE FILED that way - NOW - if your creditor got a copy of your BR filing and did NOT READ the whole thing and see that their portion was being reaffirmed then they (this is EXACTLY) probably filed this negative report with the credit bureau and then when they did realize the debt was being taken care of they never pulled their collective thumbs outta their collective rear-ends to change how the debt was being filed with the credit bureau - a credit bureau (in theory) cannot put info on a credit report without a creditor giving them that info.
you will have to contact your creditor and get a WRITTEN statement from them saying that the debt is not (and never was) in default, then you will have to file a dispute with the credit bureau and present the letter you have from your creditor - if you don't it WILL stay on your credit report -
i have fought a $200 error for 2 years now (creditor says they didn't put it on there because our account is/has always been in good standing and bureau says they cannot remove because creditor gave that info - what a cluster f**k)