Equifax, Transunion, Experian ripoff Atlanta Georgia

Many people do not know exactly what rights they have regarding credit reporting.

The FCRA states that a consumer has the right to see whatever documentation or other communications were used in any validation of a disputed item.

The consumer has the right to sue both the creditor and the credit bureau for inaccurate reporting.

For best results,
You need to send in a dispute for only one item at a time, by certified mail, return reciept requested. put the certified# on the letter itself and keep a copy for your records.

The law is 30 days prove or remove. The 30 days starts on the date the letter was signed for.

NEVER do online disputes, as you have no proof of what you disputed or the time period. They want you to do online disputes for this reason. No lawsuits due to no proof.

It is up to you to get enforcement of the rights you have under the FCRA. Nobody is going to do it for you. The FTC has jurisdiction, and you can file a complaint online. This does not get individual enforcement. For individual enforcement, you need to sue.

Stop whinng about things and take action. It is up to you to enforce your rights.

I agree with the original author. I too have had no progress in getting fraudulant information removed from my credit report. And to top that off, these lowlifes have the audacity to want to charge me to see my own information?!
Bloeve me, if I could ever find a way to ruin their computers and destroy the information contained on them, I would.

Credit reporting agencies work for the creditor. Their profits come from the creditors and like any business they are much more likely to side with the creditor than they are with the consumer.

Should a consumer manage to get the blatant errors on their report corrected there is a well established history of the exact errors being reentered on the individual credit profile within 2-3 months. Basically the reporting agency removes the error to appease the consumer and avoid possible legal action, the creditor reports the information again and the agency reenters it into the profile.

Simply put, they don't care a whit about the effects of inaccurate reporting on your life. They make hundreds of millions of dollars a year from the creditors. The average consumer is not vigilant enough to take these agencies to task for their errors and then continue to monitor their reports over the long term. It is common for those consumers who are successful with eliminating errors to monitor their reports for 3-6 months or until the major purchase they are attempting is completed. Eventually the inaccurate entries reappear.

If you indeed have solid evidence that the agencies are incorrectly reporting, and refuse to correct the inaccuracies you should file a civil suit against them. They can be held liable for damages. Also file against the creditor.