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  1. I received a notice today, of a class action law suit against Experian. If you disputed information on your Experian report on or after December 26, 2010 and received a response refusing to act because you did NOT include a full SSN as follows. "We were unable to process one or more of your request(s) to dispute information on your personal credit report because you did not provide your Social Security number. The type of dispute that you submitted requires a Social Security number. Please write to us and provide: a) your full name, including middle initial previous addresses for the past two years c) Social Security number d) date of birth e) one copy of a government issued identification card f) one copy of a utility bill Resubmit your disputes and state the specific reason you believe the information is inaccurate. We will process your request promptly one we receive this information." I remember receiving this response and thinking, this is identity theft waiting to happen. Apparently Experian has never lost anything in the mail. I never sent them my information. If this has happened to you and or you are interested in this, go to www.JamesExperianSettlement.com. They are offering Free premium Credit Monitoring Product for three years and a Dedicated Dispute Process for class members (90 days) and of course change their dispute procedures.

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