- Report: #256132
Report - Rebuttal - Arbitrate
Complaint Review: American Credit Experts
American Credit Experts4631 N.W. 31st Avenue, Suite 181 Fort Lauderdale, Florida U.S.A.
American Credit Experts They Trash Your Credit Fort Lauderdale Florida
*Consumer Comment: They have been shut down
*REBUTTAL Owner of company: Rebuttal to Michael in Utah
*Consumer Comment: HEY MICHAEL! I HIGHLY DOUBT YOUR STORY!
*REBUTTAL Owner of company: No client present or past in Bountiful Utah
*Author of original report: American Credit Experts
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What they did was flood the CRA's with dispute letters. CRA's don't investigate anything anyway and they certainly don't investigate anything that isn't from an individual consumer. The way it works is dispute letters are given to some flunkie who MIGHT look at your dispute letter. If he or she does then this person gets on a computer and looks at codes. These codes are linked to a pre-packaged response to a TL dispute. Then said flunkie just types in a code that may or may not be accurate, this gets attached to your credit portfolio and then your letter winds up in the trash can. This is the CRA's definition of "investigating" a dispute. I am sure you have noticed that the lettes from a CRA is a form letter that is computer generated.
Anyway, get a copy of your credit from all three CRA's. If there is something you do not agree with, send a dispute letter to the company reporting the erroneous information. By law they are supposed to report to the CRA's that what they are reporting is disputed. Then write the CRA's and dispute the same items. In an ideal world the CRA's will come back with the item being disputed. If not you have cause for action under FDCPA/FCRA against the CRA, reporting company or both. Rumour has it the CRA's are all getting sued for all kinds of FDCPA and FCRA violations. Cheers!
This report was posted on Ripoff Report on 06/22/2007 06:02 AM and is a permanent record located here: http://www.ripoffreport.com/r/American-Credit-Experts/Fort-Lauderdale-Florida-33309/American-Credit-Experts-They-Trash-Your-Credit-Fort-Lauderdale-Florida-256132. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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