     Darin Tully (Darint) | Wednesday, April 11, 2001 - 04:29 pm 
March 28th I sent a letter and a copy of my credit report to Experian stating an item listed was not mine. Today I received a single page letter from them with a Report Date of April 4, 2001. This letter contains the three paragraghs you'll find under 'Summary of Your State Rights' when you order your report online and go to the 'Your Rights' link. Do you think this letter was sent in regards to the investigation I sent them and they're giving me the run around (like they didn't understand my request)?
Another thing - the report list a number at the top if you have any questions of 800-727-2893. But if you call it you'll get a message that you have to send a letter for any info about your credit or to start an investigation - like that helps - I want a live person. And when I first called Experian to state this info was incorrect, they asked for my current address and when I informed them I now lived in Hollister, CA (45 miles from San Jose), I was told to call that same number and that they couldn't talk to me about anything pertaining to my report.
Have I lost the right to speak to a human being now that I moved? |
| douglas pratt (Dougpratt) | Wednesday, April 11, 2001 - 09:40 pm
experian is the worst of the CRA's from my past experians-- . instead of addressing the problem with them, contact the actual creditor who posted information not belonging to you. ask them where and when the account was opened, and what billing address they have. close the account immediately. if they show a balance due, ask where the charges were made, and put them all into dispute. get in touch with every merchant involved, and tell them that somebody may be fraudulently borrowing money in your name. anything bought this way is stolen property-- next time the thief tries to use your credit, they'll lose the credit card at best, and their freedom if people are doing their jobs long enough to keep the idiot standing around for 15 minutes or so. you might find someone you know is scamming you-- multiple charges appearing over a small geographic area within a relatively short period of time can give you and the authorities a pretty good idea if this is what's going on.
it could also be a same-name or clerical mistake; some secretary makes a typo, and suddenly someone else's legitimate charges end up on your account. verify the correct spelling of your name, and all security information if the credit representative asks you for it. if they get lost somewhere after first and last, explain that it may be an honest mistake. fax or snailmail [return receipt] any correspondence you may have received from the non existant creditor, and/or a copy of your credit report showing mysterious entries.
you'll go nowhere with experian, believe me. this sounds like human error or fraud, and can best be dealt with by tracking down the root sources and addressing it there. should you have occasion to speak again with experian, give them your present and former addresses-- information you give isn't always assimilated properly, and often comes back to haunt you. check equifax and transunion to see if the mistake is also being reported there.
at all the CRA's, both operators are always busy; please hold, sometime this year one of them might pick up the phone. if they hired enough staff to service consumers in a timely manner, nationwide unemployment figures would drop dramatically. why pay for quality service when you don't have to?? that costs money, and an answering device or hold for an hour does the job just as well-- consumers are defending themselves against a presumtion of guilt, not an accusation against innocence. FICO takes injustice one step further: convicted when charged. the only subject for discussion beyond this point is what shall the punishment be?? that is determined by the quackware judging computer.
do your best to determine the source of the grief you're "experian" ing-- chances are you can track it down without having to deal with the CRA's.
good luck-- * |
| Shylock (Shylock) | Thursday, April 12, 2001 - 04:52 am
California people calling Experian should use (800) 583-4080. Be sure to have your report number ready as it won't let you speak to a live person unless you put that number in. |
| Darin Tully (Darint) | Thursday, April 12, 2001 - 05:10 am
I would contact the creditor but it's a State Tax Lien that I'm fighting.
I was thinking about the letter they sent me and I had a thought that maybe they sent it simple to inform me of my rights after having received my request for an investigation. So they might actually be working on it.
I'll call them (thanks for the number Shylock - always a help) and see if they are working on it. |
| Darin Tully (Darint) | Thursday, April 12, 2001 - 06:48 am
I would contact the creditor but it's a State Tax Lien that I'm fighting.
I was thinking about the letter they sent me and I had a thought that maybe they sent it simple to inform me of my rights after having received my request for an investigation. So they might actually be working on it.
I'll call them (thanks for the number Shylock - always a help) and see if they are working on it. |
| Darin Tully (Darint) | Thursday, April 12, 2001 - 07:42 am
I just called Experian and the reason I received the letter of my rights is because I live in California. And I asked about the dispute I sent in and I was informed it was under investigation and I should receive information about it no later than May 2, 2001.
Good - I feel better. |
