Experian - confused

[shrcek]

I disputed 1 medical collection with Experian - they received it 4/27. (I followed all steps as directed by Why Chat) I recived a letter along with a copy of my CR from them dated 5/4. I'm unclear as to what this letter is. It's too soon for dispute results but that's sort of what it seems like, except there are no clear results. The letter starts by saying: To assist you in understanding your correction summary, we have provided additional information that relates directly to items on your personal credit reort. Then it goes on to explain what happens when a medical bill becomes past due and what a paid collection is and that it remains for 7 years.....that they can't display certain medical information......if you question the results of the dispute to contact the furnisher of the information directly.....that when you dispute the accuracy of information, they are required by law to investigate and have 30 (or45) days to complete the investigation....what they do if it is verified or not verified, etc.......Then the next page says Dispute Results and first has a section "About our dispute process" and explains citing FCRA. Then it says if no information follows, our response appeared on the previous page. There is nothing below this, nor was there any response on the previous page, just the letter. And on the next page starts my CR. So this appears to be a Dispute results letter but there are no results. Nowhere does it say the information was verified or deleted. The account is still on my credit report and is not noted that it is in dispute.

 

Today I received an alert from a credit monitoring service that a security/fraud alert had been placed on my CR. So I pulled a current copy via the backdoor and this is what was added under Personal Statement.

General personal statements currently displaying on your personal credit report at your request appear below:

ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING 05-21-13.

 

I have no idea what prompted this. Now I am thinking that letter was just a letter to explain the dispute process and that they haven't completed their investigation since their 30 days are not up.

 

But I don't know why the security/fraud alert was added and the account is still not showing up as "disputed".

 

Anyone receive something similar from Experian? I'm confused and guess I'll just wait and see if I receive anything else from them.

[Why Chat]

Experian is well known for delaying or ignoring written disputes. They try very hard to get folks to dispute on line or by phone because then the disputes are handled by their outsourced CRAs offshore.

 

You may get a letter from them stating that they received a suspicious communication, in which case you write back ( CMRR) with a copy of their letter and proof of your identity, a copy of your SS card a copy of your drivers license and an original recent utility bill.

State that you properly disputed account # xxxxx on your report #xxxxx on xx/xx/xxxx and are sending proof of your identity so that they can investigate and delete the unknown medical account from your reports. State that a copy of this and all correspondence will be provided to the FTC and CFPB should they fail to promptly comply with the FCRA and FACTA rules.( do NOT include a copy of your original dispute)

 

The fraud alert is standard, it is for 90 days and actually helps your dispute process.