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Transcript of Experian phone call

The last post in this topic was posted 3799 days ago. 

 

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(before the recording starts...)

ME: Is this call being recorded?

EX: Yes we routinely monitor calls for quality assurance.

ME: Then you won't mind if I turn my recorder on?

EX: No. What...

(recording starts...)

EX: ...is the first item you'd like to discuss?

ME: This is Experian, right?

EX: Yes of course.  How can I help you?

ME: I'd like inquire as to why I cannot get an FCRA compliant response to the several procedural inquiries I've made pursuant to FCRA 605 6 B three.

EX: Which account are you inquiring about?

ME: Pick one.  Any one of the accounts I'm currently disputing.

EX: And you haven't received a response from us?

ME: I've received your form letters, if that's what you mean.  I'm talking about FCRA compliant responses, with the name, address and phone number of the company reporting the account.  That's what I'm looking for.

EX: We don't send that information.

ME: You HAVE to send it.  FCRA 605 B three...

EX: (cuts me off) You don't need to cite FCRA for me.

ME: Apparently I do.  You are required to send me a compliant response, with all of the information listed for the company that is reporting the account.

EX: We do send that information.  It's right in your report.

ME: What?

EX: The address in your report is all we have for each account.

ME: Then why don't you send it in an FCRA compliant response to my procedural inquiries.

EX: We fully comply with the law.  The responses we sent you detail the procedure used to communicate with the companies that provide us information.

ME: OK. Let me quote from your form letter...

EX: (cuts me off) I am familiar with the responses we send.

ME: Fine.  What does it say?

EX: Is there another item I can help you with?

ME: Why, are you backed into a corner on the issue we were discussing?  Why don't you send the information mandated by the statute when you respond to procedural requests?

EX: As I said, we fully comply with the law.

ME: But you don't -- not even close.  You send out form letters that simply say that you send the dispute information to the companies via mail or electronic means...

EX: (cuts me off) Again, I am familiar with our responses.

ME: Then you'd have to agree that what you send, and what FCRA says you have to send are very different things, correct?

EX: Is there another item I can help you with?

ME: Hold on, I'm not finished yet.  Where in your response does it tell me WHAT company you contact, and at WHAT address and or telephone number.

EX: It's right there in your report.  We only have the information that is listed in your report.

ME: But that's not what FCRA says you have to do.  You have to give me the name and address, or the telephone number if you called them.

EX: We don't call anyone.  That would be impossible.

ME: Then how do you contact them?

EX: Usually via an automated system.

ME: What about reporters who don't subscribe to your automated system, like courts?

EX: If they're not automated, they are contacted by mail.

ME: And what if they don't share information by mail.

EX: All companies that share data with us are either automated or mail.

ME: What about courts? What about the public record listed in my report?

EX: They would either use automated reporting or by mail.

ME: OK, so I've disputed the account information that you have listed for the court, and I've gone to the court to confirm the information, and they've told me that they do not share information with you or respond to requests to verify information.  So how does your company claim they've verified the information that you list as coming from the court?

EX: The court is contacted by mail.

ME: But they told me they don't respond to such requests.

EX: Your account shows that the item was verified in October 2004.

ME: By the court?

EX: Correct?

ME: At what address?

EX: At the address listed in your report.

ME: By mail?

EX: Yes sir, I've already stated that.

ME: So the court listed in the public record on my report verified the information you have listed by mail sent to the address listed in my report?

EX: Yes.  Is there another item I can help you with?

ME: Nope.  You've said enough.  I wonder if I can get a pastrami sandwich from that court?

EX: Excuse me?

ME: Maybe a tuna salad then.  The address you have listed in my report for the court that has supposedly verified the information on more than five occasions is the sandwich shop in the lobby of the Schwartz federal building in San Diego.

EX: I don't understand.

ME: The address, the one you have listed in my report, is the address and suite number of a sandwich shop.  I went there to confirm that the information you're reporting is incorrect, and the address you have listed in my report is a deli, a sandwich shop.  Would you like their phone number?

EX: Mr. XXXXXX, the information has been sent to the court. We don't control who responds.  We send the information as requested, and take action based on the reply.

ME: So sandwich shop told you the information is correct?

EX: Is there another item I can help you with?

ME: Nope.  I'm all set.

 

 

 

 

At least I'll have a place to eat lunch when I file the lawsuit.

 

I'm sure you well know how I generally feel about the phone, 700, BUT, in your case you've obviously done your homework, had a plan, are working a strategy, and have your butt covered.

 

That's what CB is all about, you've got the missing strategic brain aerobics going on, wooooooooo hoooooooooo!!!. Take a peek at the titles of the posts on the first 3 pages or so and I hope you know just what I'm talking about, you're like ice water in AZ in August ;) ty ty ty

 

:D BOWING to you!

 

Sassy

Edited by SassyinAz

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Don't know if it would be considered "publishing" or not, but would anybody have the room to host a file of the conversation? I would pay money to listen to that...

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(before the recording starts...)

ME: Is this call being recorded?

EX: Yes we routinely monitor calls for quality assurance.

ME: Then you won't mind if I turn my recorder on?

EX: No. What...

(recording starts...)

EX: ...is the first item you'd like to discuss?

ME: This is Experian, right?

EX: Yes of course.  How can I help you?

ME: I'd like inquire as to why I cannot get an FCRA compliant response to the several procedural inquiries I've made pursuant to FCRA 605 6 B three.

EX: Which account are you inquiring about?

ME: Pick one.  Any one of the accounts I'm currently disputing.

EX: And you haven't received a response from us?

ME: I've received your form letters, if that's what you mean.  I'm talking about FCRA compliant responses, with the name, address and phone number of the company reporting the account.  That's what I'm looking for.

EX: We don't send that information.

ME: You HAVE to send it.  FCRA 605 B three...

EX: (cuts me off) You don't need to cite FCRA for me.

ME: Apparently I do.  You are required to send me a compliant response, with all of the information listed for the company that is reporting the account.

EX: We do send that information.  It's right in your report.

ME: What?

EX: The address in your report is all we have for each account.

ME: Then why don't you send it in an FCRA compliant response to my procedural inquiries.

EX: We fully comply with the law.  The responses we sent you detail the procedure used to communicate with the companies that provide us information.

ME: OK. Let me quote from your form letter...

EX: (cuts me off) I am familiar with the responses we send.

ME: Fine.  What does it say?

EX: Is there another item I can help you with?

ME: Why, are you backed into a corner on the issue we were discussing?  Why don't you send the information mandated by the statute when you respond to procedural requests?

EX: As I said, we fully comply with the law.

ME: But you don't -- not even close.  You send out form letters that simply say that you send the dispute information to the companies via mail or electronic means...

EX: (cuts me off) Again, I am familiar with our responses.

ME: Then you'd have to agree that what you send, and what FCRA says you have to send are very different things, correct?

EX: Is there another item I can help you with?

ME: Hold on, I'm not finished yet.  Where in your response does it tell me WHAT company you contact, and at WHAT address and or telephone number.

EX: It's right there in your report.  We only have the information that is listed in your report.

ME: But that's not what FCRA says you have to do.  You have to give me the name and address, or the telephone number if you called them.

EX: We don't call anyone.  That would be impossible.

ME: Then how do you contact them?

EX: Usually via an automated system.

ME: What about reporters who don't subscribe to your automated system, like courts?

EX: If they're not automated, they are contacted by mail.

ME: And what if they don't share information by mail.

EX: All companies that share data with us are either automated or mail.

ME: What about courts? What about the public record listed in my report?

EX: They would either use automated reporting or by mail.

ME: OK, so I've disputed the account information that you have listed for the court, and I've gone to the court to confirm the information, and they've told me that they do not share information with you or respond to requests to verify information.  So how does your company claim they've verified the information that you list as coming from the court?

EX: The court is contacted by mail.

ME: But they told me they don't respond to such requests.

EX: Your account shows that the item was verified in October 2004.

ME: By the court?

EX: Correct?

ME: At what address?

EX: At the address listed in your report.

ME: By mail?

EX: Yes sir, I've already stated that.

ME: So the court listed in the public record on my report verified the information you have listed by mail sent to the address listed in my report?

EX: Yes.  Is there another item I can help you with?

ME: Nope.  You've said enough.  I wonder if I can get a pastrami sandwich from that court?

EX: Excuse me?

ME: Maybe a tuna salad then.  The address you have listed in my report for the court that has supposedly verified the information on more than five occasions is the sandwich shop in the lobby of the Schwartz federal building in San Diego.

EX: I don't understand.

ME: The address, the one you have listed in my report, is the address and suite number of a sandwich shop.  I went there to confirm that the information you're reporting is incorrect, and the address you have listed in my report is a deli, a sandwich shop.  Would you like their phone number?

EX: Mr. XXXXXX, the information has been sent to the court. We don't control who responds.  We send the information as requested, and take action based on the reply.

ME: So sandwich shop told you the information is correct?

EX: Is there another item I can help you with?

ME: Nope.  I'm all set.

 

 

 

 

At least I'll have a place to eat lunch when I file the lawsuit.

 

Go Get 'em! You rock! You have a gift on that tape, use it very wisely. Also, you did real good kid. Real good. :)

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When I've called their reps, I used the number listed in the response to my online dispute (when you log back in and put in the report number).

 

The regular number on experian.com is just a machine, like you said....

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Another piece of evidence that Experian does not investigate.....

 

I got the results from my latest dispute:

 

Arcadia - remains

 

In the Arcadia listing:

 

"This item was verified on 1-2004 and remained unchanged."

 

 

Uh guys.... that was 13 months ago! So much for the investigation! :)

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That is funny. I'm with the poster above that you should send a copy of it to Dateline or 20/20. I would also take a photo of the sandwich shop (hopefully you can get the address & name in the same photo) and keep it just in case you need it later on.

 

This is something that EXP needs to be investigated for. They do the same thing to so many people so many times.

 

Good luck!

 

Patty

paw67

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(before the recording starts...)

ME: Is this call being recorded?

EX: Yes we routinely monitor calls for quality assurance.

ME: Then you won't mind if I turn my recorder on?

EX: No. What...

(recording starts...)

EX: ...is the first item you'd like to discuss?

ME: This is Experian, right?

EX: Yes of course.  How can I help you?

ME: I'd like inquire as to why I cannot get an FCRA compliant response to the several procedural inquiries I've made pursuant to FCRA 605 6 B three.

EX: Which account are you inquiring about?

ME: Pick one.  Any one of the accounts I'm currently disputing.

EX: And you haven't received a response from us?

ME: I've received your form letters, if that's what you mean.  I'm talking about FCRA compliant responses, with the name, address and phone number of the company reporting the account.  That's what I'm looking for.

EX: We don't send that information.

ME: You HAVE to send it.  FCRA 605 B three...

EX: (cuts me off) You don't need to cite FCRA for me.

ME: Apparently I do.  You are required to send me a compliant response, with all of the information listed for the company that is reporting the account.

EX: We do send that information.  It's right in your report.

ME: What?

EX: The address in your report is all we have for each account.

ME: Then why don't you send it in an FCRA compliant response to my procedural inquiries.

EX: We fully comply with the law.  The responses we sent you detail the procedure used to communicate with the companies that provide us information.

ME: OK. Let me quote from your form letter...

EX: (cuts me off) I am familiar with the responses we send.

ME: Fine.  What does it say?

EX: Is there another item I can help you with?

ME: Why, are you backed into a corner on the issue we were discussing?  Why don't you send the information mandated by the statute when you respond to procedural requests?

EX: As I said, we fully comply with the law.

ME: But you don't -- not even close.  You send out form letters that simply say that you send the dispute information to the companies via mail or electronic means...

EX: (cuts me off) Again, I am familiar with our responses.

ME: Then you'd have to agree that what you send, and what FCRA says you have to send are very different things, correct?

EX: Is there another item I can help you with?

ME: Hold on, I'm not finished yet.  Where in your response does it tell me WHAT company you contact, and at WHAT address and or telephone number.

EX: It's right there in your report.  We only have the information that is listed in your report.

ME: But that's not what FCRA says you have to do.  You have to give me the name and address, or the telephone number if you called them.

EX: We don't call anyone.  That would be impossible.

ME: Then how do you contact them?

EX: Usually via an automated system.

ME: What about reporters who don't subscribe to your automated system, like courts?

EX: If they're not automated, they are contacted by mail.

ME: And what if they don't share information by mail.

EX: All companies that share data with us are either automated or mail.

ME: What about courts? What about the public record listed in my report?

EX: They would either use automated reporting or by mail.

ME: OK, so I've disputed the account information that you have listed for the court, and I've gone to the court to confirm the information, and they've told me that they do not share information with you or respond to requests to verify information.  So how does your company claim they've verified the information that you list as coming from the court?

EX: The court is contacted by mail.

ME: But they told me they don't respond to such requests.

EX: Your account shows that the item was verified in October 2004.

ME: By the court?

EX: Correct?

ME: At what address?

EX: At the address listed in your report.

ME: By mail?

EX: Yes sir, I've already stated that.

ME: So the court listed in the public record on my report verified the information you have listed by mail sent to the address listed in my report?

EX: Yes.  Is there another item I can help you with?

ME: Nope.  You've said enough.  I wonder if I can get a pastrami sandwich from that court?

EX: Excuse me?

ME: Maybe a tuna salad then.  The address you have listed in my report for the court that has supposedly verified the information on more than five occasions is the sandwich shop in the lobby of the Schwartz federal building in San Diego.

EX: I don't understand.

ME: The address, the one you have listed in my report, is the address and suite number of a sandwich shop.  I went there to confirm that the information you're reporting is incorrect, and the address you have listed in my report is a deli, a sandwich shop.  Would you like their phone number?

EX: Mr. XXXXXX, the information has been sent to the court. We don't control who responds.  We send the information as requested, and take action based on the reply.

ME: So sandwich shop told you the information is correct?

EX: Is there another item I can help you with?

ME: Nope.  I'm all set.

 

 

 

 

At least I'll have a place to eat lunch when I file the lawsuit.

 

:grin: Absolutely awesome! I applaud you. I hope you sue their pants and underwear off of them. I'm so sick of them. Situations cause your credit to go sour--divorce, sickness, job losses etc., but no one considers that. You are just a deadbeat if you get to a point you can't pay your bills or on time. I dare them judge my character by my credit situation. How many of them have been a blessing to someone else while sacrificing themselves and their credit? Sorry--I lost it for a minute.

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You speak like an attorney. Go get 'em!

 

When you deliver their summons, attach a note and ask them if they prefer white or wheat? :D

Edited by Oops!

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Don't know if it would be considered "publishing" or not, but would anybody have the room to host a file of the conversation? I would pay money to listen to that...

 

 

I have plenty of Hosting/Server Room...

 

I'd be glad to host that Audio File...:D Just PM me for how :P

 

Jerry

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The last post in this topic was posted 3799 days ago. 

 

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