     lfj | Friday, January 28, 2000 - 02:33 am 
I recently ordered copies of all my credit reports from the big three. I received Equifax and Experian. Trans Union stated that my adress could not be verified and the I WOULD HAVE TO send proof of my adress (even though I have lived there for three years. My question and comment is this, these companies do nothing to assist the consumer and can continually report inaccurate information, leaving the consumer to fight it out to get it changed (guility until proven innocent). In addition, they still billed me for the cost of the report. I am considering sending a letter stating that THEY are responsible for researching and reporting the correct information and I will not lift a finger to help them. In addition I will demand my money back for the report. Does anyone have any thoughts on this, and would incorrect personal information (such as address) fall in the relm of "disputable information?" I am really fed up with these companies and do not feel I need to do their job for them as a matter of principle. Any suggestions would be appreciated. |
| kristy welsh - creditinfocenter.com | Sunday, January 30, 2000 - 08:56 am
It's common to have the bureaus ask for proof of address, just as a safeguard (so not just anyone can order your report). Of course, this method isn't foolproof, but it's better than nothing. Send them a copy of your driver's license or a recent utility bill.
The credit bureaus are not responsible for researching information, they are a data repository only (garbage in, garbage out). That's why you unfortunately have to work so hard to make sure they are correct. In my opinion, BTW, Trans Union is usually the least updated repository. |
