• Report: #348023

Complaint Review: Experian

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  • Submitted: Sun, July 06, 2008
  • Updated: Wed, June 03, 2009

  • Reported By:Braselton Georgia
Experian
701 Experian Parkway Allen, Texas U.S.A.

Experian Not able to dispute multiple errors on my Experian credit report Allen Texas

*Consumer Comment: EXPERIAN - CLASS ACTION LAWSUIT STARTED

*Consumer Comment: Reading this, I realized I missed this the first time..

*Consumer Comment: Same situation

*Consumer Comment: Same situation

*Consumer Comment: Same situation

*Consumer Comment: Same situation

*Consumer Comment: Filing a dispute..

*UPDATE EX-employee responds: Your report

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I am writing to call attention to disputed information in my credit report from Experian and the credit agency's non-compliance in correcting the erroneous entries. I have attempted to contact Experian via phone and Internet but have been unsuccessful. In fact, the system for contacting Experian appears to be constructed in a way to ensure that there is no way to file a dispute with the company. When I attempt to file my dispute online I am told I must call on the phone. When I call on the phone I cannot enter my dispute through the automated system. Furthermore there is no way to reach and speak with a live human being working as an agent of Experian through the advised channels of communication.

I believe my Experian credit report has been combined with that of another person unrelated and unknown to me. This individuals name, address, date of birth and several of his previous addresses are found under the Personal Information section of my credit report. There are pages of credit entries listed in my report that belong to this other person. Evidence of this is drawn from the named co-signer of several listed loans as a person with the same last name as his, presumably this mans spouse.

I want to request that Experian immediately and permanently remove all erroneous items from my credit report. However, there is no way for me to do so via phone or Internet. As for mailing in a complaint to Experian, there are so many different mailing addresses for the company that it is not clear which one is the correct one to send a dispute.

My research into Experian and how other people have attempted to dispute false information that has appeared on their reports has revealed a collection of frustrated victims who are being asked to prove that bogus credit entries on reports are not theirs. This arrogant (and perhaps illegal) request from Experian is akin to asking an accused to prove he did not commit the crime. Like the work of a prosecutor the burden of proof is on Experian to show that these incorrect credit entries are in fact legit. If it cannot do so then the false entries must be deleted and stricken from the record forever.

What recourse do we consumers have against this company? There are many reports found on message boards highlighting shady activities going on with Experian. It is the only one of the big three (Equifax and TransUnion being the other two) that conducts its business in such a closed-door, behind-an-iron-curtain way. The other two companies can easily be reached on the phone where a real live human being takes in a dispute and typically rectifies the situation in a matter of minutes. I should also point out that all of my credit information listed in my Equifax and TransUnion reports are accurate.

But Experian? All I have read are tales of two to three year hellish ordeals trying to get simple mistakes, Experians mistakes, corrected. I am not about to be drawn into that drama. Please help me get my credit report corrected. If need be I am willing to begin collecting a group of affected consumers wising to put together a class action lawsuit against Experian for violating FCRA and FTC regulations. This company can ruin the credit for more than 300 million Americans with a few keyboard typos. We CANNOT allow this to continue.

Classactionlawsuit_experian
Braselton, Georgia
U.S.A.

This report was posted on Ripoff Report on 07/06/2008 04:33 PM and is a permanent record located here: http://www.ripoffreport.com/r/Experian/Allen-Texas-75013/Experian-Not-able-to-dispute-multiple-errors-on-my-Experian-credit-report-Allen-Texas-348023. 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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REBUTTALS & REPLIES:
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Updates & Rebuttals

#1 Consumer Comment

EXPERIAN - CLASS ACTION LAWSUIT STARTED

AUTHOR: Laurie - (U.S.A.)

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.

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#2 Consumer Comment

Reading this, I realized I missed this the first time..

AUTHOR: Robert - (U.S.A.)

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
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#3 Consumer Comment

Same situation

AUTHOR: Pissedoff - (U.S.A.)

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.
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#4 Consumer Comment

Same situation

AUTHOR: Pissedoff - (U.S.A.)

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.
Respond to this report!
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#5 Consumer Comment

Same situation

AUTHOR: Pissedoff - (U.S.A.)

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.
Respond to this report!
What's this?

#6 Consumer Comment

Same situation

AUTHOR: Pissedoff - (U.S.A.)

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.
Respond to this report!
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#7 Consumer Comment

Filing a dispute..

AUTHOR: Robert - (U.S.A.)

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...
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#8 UPDATE EX-employee responds

Your report

AUTHOR: Former Experian Employee - (U.S.A.)

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.
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