Laurie
Haslet,#2Consumer Comment
Wed, June 03, 2009
In Richmond, VA.. Experian is being sued for allowing Collection Agencies to access and post fraudulent information on unsuspecting consumers credit reports. When provided proof of the false information and demands from consumers to remove the fraudulent postings - Experian has consistently refused to do so. (((Redacted))) IF ROR removes the link - search on Maurader Exposed Go there now and get let the plaintiffs know about your problems. CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
Robert
Rochester,#3Consumer Comment
Fri, January 23, 2009
Unfortunately, it is the responsibility of your creditors to ensure 100% that all the information they report is 100% accurate. Experian only houses the data. based on case law, this is not true. Read Bryant v. TRW
Pissedoff
Kirksville,#4Consumer Comment
Wed, December 24, 2008
Hi! So I guess, I am not the only one in this situation. I have my credit report from Experian incorrect too. They have also combined my credit report with another person''s credit report. Ever since I found that out, I have disputed information online and I have gotten it fixed. But we cant dispute SS numbers or Names online. I have desperately asked my bank to help me fix this but even they can't beat the automated system. So I put a fraud alert on my account. Now banks keep calling me because this other person keeps trying to take loans out. But I doubt this other person has ever checked his credit report. I don't understand how a NATIONAL credit reporting agency can do this. The worst part of it all is that I have already disputed almost everything I could on my credit report. The only thing left is my name and SS. According to the costumer representative at the sales department, the only way I could dispute that information was to write them a letter. Which I did, I sent the letter through priority and they should have received the letter a week ago. I did not write my SS number or verify any of my past addresses due to security issues. But I did put an expired investigation ID number. I am so frustrated with this reporting agency. They seem to have the maximum number of disputes. If anyone has had their problems solved by talking to a rep or in any other way, please help me. I have been trying to get his resolved for the past 3 months. Is serving them with a lawsuit the only way to get it resolved?? If that's the case then I wonder how many lawsuits they're involved in? I tried to dispute the name and the SS and the automated message asked me to call the SS bureau, are you kidding? Why should I? It's Experian's fault they have it wrong. All the others have it correct. It's time to get your records straight. I am going to wait another 15 days and see if they get back to me to ask me for my SS number or atleast tell me that they are working on my case or even received it. If they don't then I'll just have to write to the general counsel like the other person did and warn them of a potential lawsuit. It's no wonder that the credit market is so messed up, with companies like these trying to monitor credit, they can't even get the information correct. AND you call yourselves a NATIONAL credit reporting agency.
Pissedoff
Kirksville,#5Consumer Comment
Wed, December 24, 2008
Hi! So I guess, I am not the only one in this situation. I have my credit report from Experian incorrect too. They have also combined my credit report with another person''s credit report. Ever since I found that out, I have disputed information online and I have gotten it fixed. But we cant dispute SS numbers or Names online. I have desperately asked my bank to help me fix this but even they can't beat the automated system. So I put a fraud alert on my account. Now banks keep calling me because this other person keeps trying to take loans out. But I doubt this other person has ever checked his credit report. I don't understand how a NATIONAL credit reporting agency can do this. The worst part of it all is that I have already disputed almost everything I could on my credit report. The only thing left is my name and SS. According to the costumer representative at the sales department, the only way I could dispute that information was to write them a letter. Which I did, I sent the letter through priority and they should have received the letter a week ago. I did not write my SS number or verify any of my past addresses due to security issues. But I did put an expired investigation ID number. I am so frustrated with this reporting agency. They seem to have the maximum number of disputes. If anyone has had their problems solved by talking to a rep or in any other way, please help me. I have been trying to get his resolved for the past 3 months. Is serving them with a lawsuit the only way to get it resolved?? If that's the case then I wonder how many lawsuits they're involved in? I tried to dispute the name and the SS and the automated message asked me to call the SS bureau, are you kidding? Why should I? It's Experian's fault they have it wrong. All the others have it correct. It's time to get your records straight. I am going to wait another 15 days and see if they get back to me to ask me for my SS number or atleast tell me that they are working on my case or even received it. If they don't then I'll just have to write to the general counsel like the other person did and warn them of a potential lawsuit. It's no wonder that the credit market is so messed up, with companies like these trying to monitor credit, they can't even get the information correct. AND you call yourselves a NATIONAL credit reporting agency.
Pissedoff
Kirksville,#6Consumer Comment
Wed, December 24, 2008
Hi! So I guess, I am not the only one in this situation. I have my credit report from Experian incorrect too. They have also combined my credit report with another person''s credit report. Ever since I found that out, I have disputed information online and I have gotten it fixed. But we cant dispute SS numbers or Names online. I have desperately asked my bank to help me fix this but even they can't beat the automated system. So I put a fraud alert on my account. Now banks keep calling me because this other person keeps trying to take loans out. But I doubt this other person has ever checked his credit report. I don't understand how a NATIONAL credit reporting agency can do this. The worst part of it all is that I have already disputed almost everything I could on my credit report. The only thing left is my name and SS. According to the costumer representative at the sales department, the only way I could dispute that information was to write them a letter. Which I did, I sent the letter through priority and they should have received the letter a week ago. I did not write my SS number or verify any of my past addresses due to security issues. But I did put an expired investigation ID number. I am so frustrated with this reporting agency. They seem to have the maximum number of disputes. If anyone has had their problems solved by talking to a rep or in any other way, please help me. I have been trying to get his resolved for the past 3 months. Is serving them with a lawsuit the only way to get it resolved?? If that's the case then I wonder how many lawsuits they're involved in? I tried to dispute the name and the SS and the automated message asked me to call the SS bureau, are you kidding? Why should I? It's Experian's fault they have it wrong. All the others have it correct. It's time to get your records straight. I am going to wait another 15 days and see if they get back to me to ask me for my SS number or atleast tell me that they are working on my case or even received it. If they don't then I'll just have to write to the general counsel like the other person did and warn them of a potential lawsuit. It's no wonder that the credit market is so messed up, with companies like these trying to monitor credit, they can't even get the information correct. AND you call yourselves a NATIONAL credit reporting agency.
Pissedoff
Kirksville,#7Consumer Comment
Wed, December 24, 2008
Hi! So I guess, I am not the only one in this situation. I have my credit report from Experian incorrect too. They have also combined my credit report with another person''s credit report. Ever since I found that out, I have disputed information online and I have gotten it fixed. But we cant dispute SS numbers or Names online. I have desperately asked my bank to help me fix this but even they can't beat the automated system. So I put a fraud alert on my account. Now banks keep calling me because this other person keeps trying to take loans out. But I doubt this other person has ever checked his credit report. I don't understand how a NATIONAL credit reporting agency can do this. The worst part of it all is that I have already disputed almost everything I could on my credit report. The only thing left is my name and SS. According to the costumer representative at the sales department, the only way I could dispute that information was to write them a letter. Which I did, I sent the letter through priority and they should have received the letter a week ago. I did not write my SS number or verify any of my past addresses due to security issues. But I did put an expired investigation ID number. I am so frustrated with this reporting agency. They seem to have the maximum number of disputes. If anyone has had their problems solved by talking to a rep or in any other way, please help me. I have been trying to get his resolved for the past 3 months. Is serving them with a lawsuit the only way to get it resolved?? If that's the case then I wonder how many lawsuits they're involved in? I tried to dispute the name and the SS and the automated message asked me to call the SS bureau, are you kidding? Why should I? It's Experian's fault they have it wrong. All the others have it correct. It's time to get your records straight. I am going to wait another 15 days and see if they get back to me to ask me for my SS number or atleast tell me that they are working on my case or even received it. If they don't then I'll just have to write to the general counsel like the other person did and warn them of a potential lawsuit. It's no wonder that the credit market is so messed up, with companies like these trying to monitor credit, they can't even get the information correct. AND you call yourselves a NATIONAL credit reporting agency.
Robert
Rochester,#8Consumer Comment
Wed, November 05, 2008
First off, do not do it over the phone or online... You have NO record that you did it.. Write to them... To Send disputes: Experian /NCAC Po Box 9556 Allen, Texas 75013 888-493-1058 For the others. Equifax PO Box 740241 Atlanta Georgia 30374 800-685-1111 Trans Union PO box 1000 Chester, PA 19022 800-888-4213 I had a major problem with Experian and incorrect information on my credit report. You have to be tenacious and downright aggressive at times. Under the Fair Credit Reporting Act, the reporting agencies (Experian, Transunion, etc) are required to investigate throughly, any dispute. Most of the time they will send you a form letter that says we investigated and it sucks to be you... Well, the law is on YOUR side. The U.S. District court ruled, under Richardsons v. Fleetbank, et.al. (US dist. Lexis 22581. Civil A. 99-30094): A credit reporting agency is initially entitled to rely on information contained in the reports issued by credit grantors, because it would be unduly burdensome and inefficient to require an agency to look beyond the face of every credit report. However, once notified that a consumer disputes the information contained in such records, exclusive reliance on such information is neither reasonable or justified. Experian knows this. It took me four letters to Experian to get the information removed. The last letter was sent to the General Counsel for Experian. This is the letter, feel free to copy it: Mr. Robert F. Nelson General Counsel Experian Group, Ltd. 475 Anton Blvd Costa Mesa, CA 92626 Mr. Nelson: I have been attempting to either validate or remove incorrect information on my credit report. I have asked, three times now, that the following information be removed from my credit report. (Information removed by ME!) I have been willing to accept these entries if your company can prove that this information is correct by providing me with the name of the creditor or the public record from which this information was obtained. If Experian is unable to provide this proof, I expect the information be removed immediately. As a lawyer, you do not need me to quote you the law. 15 U.S.C. 1681 is very clear on your responsibility to assuring correct information is placed in a file. There is also legal precedent (Richardsons v. Fleetbank, et.al. (US dist. Lexis 22581. Civil A. 99-30094) which also outlines your requirement to investigate these matters. It is my contention that Experian DID NOT perform a proper investigation. It is also my contention that Experian cannot show either me, or if necessary, a court of law, which creditor or public record this came from. I am asking your assistance in rectifying this matter before it becomes an adversarial process in a court of law. I am enclosing copies of previous letters regarding this request. I look forward to hearing from you. After I sent this letter, I received notice from Experian that the information had been removed. Did the letters help?? I don't know, but the information was removed from my credit report. Be professional, keep writing, DO NOT ACCEPT NO FOR AN ANSWER... Keep us posted...
Former Experian Employee
Schaumburg,#9UPDATE EX-employee responds
Wed, November 05, 2008
Unfortunately, it is the responsibility of your creditors to ensure 100% that all the information they report is 100% accurate. Experian only houses the data. The quickest way for you to resolve the issue is to go to annualcreditreport.com (NOT freecreditreport.com) and pull up your free credit report that you are entitled to by law every 12 months. Once you receive that report, please dispute the information online, or a phone number and address will be on the report to contact. Because Experian needs to validate who you are when requesting the report and ensuring that someone isn't using your information illegally, the website may not allow you to get the report online because there is an issue with the validation. If that is the case, there will be instructions on the screen and will ask you to mail in your information. After you mail it in, you will receive your report with a report number and the ability to dispute information online, by phone or mail.