Experian Re-investigation

[OnMyOwnMom]

Hi, I sent in a dispute to Experian in late October, they responded quickly that they had "re-investigated" and verified the two items in my dispute letter. Ummmm...ok, but there were several more items that I disputed in that same letter that they don't even mention. My 30 days is up. Should I send in another letter to Experian stating that they did not properly process my dispute and to remove all disputed line items? Do I stand a chance? LOL that would be way too sweet ;-)

[OnMyOwnMom]

^bump....?

[doodlebugger]

Same thing happened to me. They updated two of the items, but not the rest. Experian recently updated their system (or at least the one I'm using anyways) and I'm wondering if it was a glitch or something? I would follow up with a letter. I tried to do a new dispute online and it said I already disputed that recently and wouldn't allow me to do anything. EX apparently is difficult to work with......

[OnMyOwnMom]

Thanks for the response doodlebugger, I will most likely follow up with a letter, but hopping someone who has had this happen, and fought it and won, will pop in to advise. Feel like this might be a magical opportunity and don't want to blow it, ya know? ;-) Are you going to write a letter?

[backtobusiness]

If you are caught in the company of a fugitive, you may be subject to arrest(guilty by association). That's the analogy Experian is using with the other line items you disputed.

[JayB27]

File a complaint with the CFPB.

 

Include the wording that you properly disputed these unknown accounts, and you have proof of their receipt.(which I hope you sent certified)

 

Also state they did not investigate said items and demand removal based on the refusal to respond to your dispute.

 

But, if you disputed from a free report, they may have 45 days.

 

Sending EX another letter will do nothing further for you.

Edited November 19, 2014 by JayB27

[OnMyOwnMom]

If you are caught in the company of a fugitive, you may be subject to arrest(guilty by association). That's the analogy Experian is using with the other line items you disputed.

ummmm...ok ;-)

[OnMyOwnMom]

File a complaint with the CFPB.

 

Include the wording that you properly disputed these unknown accounts, and you have proof of their receipt.(which I hope you sent certified)

 

Also state they did not investigate said items and demand removal based on the refusal to respond to your dispute.

 

But, if you disputed from a free report, they may have 45 days.

 

Sending EX another letter will do nothing further for you.

I did dispute from a free report I believe so I will make sure I am past the 45 days before I dispute with CFPB just in case. Thank you for your help with the wording... :-)

[doodlebugger]

I had not decided what I was doing with EX yet.....when I tried to dispute something else, they said I had to call. I got nowhere with the rep I spoke to. I will wait it out for the 45 days and if I don't see any changes, I will dispute with CFPB too.