Experian and their "Previously Investigated" nonsense

[Shawnee]

Their "previously investigated" letter was in today's mail. I disputed this lien two years ago, eventually winding up in their special handling department who sent me a certified copy of the lien. Then, as now, they are claiming the San Diego County Recorder is the furnisher which we all know is BS.

 

This is pretty much what I sent them two years ago minus the ITS. I'm going to save that until I see what their response is to this letter and try the FTC approach.

 

If anyone has any suggestions, let me know. I have until tomorrow night to make changes.

 

http://www.kittycredit.com/documents/ex_pi_01.pdf

[Shawnee]

For those who haven't seen it, Experian's blatant disregard of §611:

 

http://www.kittycredit.com/documents/ex_pi_letter.pdf

[cappyzeb]

For those who haven't seen it, Experian's blatant disregard of §611:

 

http://www.kittycredit.com/documents/ex_pi_letter.pdf

I got this exact same letter from them this month.

[Shawnee]

For those who haven't seen it, Experian's blatant disregard of §611:

 

http://www.kittycredit.com/documents/ex_pi_letter.pdf

I got this exact same letter from them this month.

 

They send them out to everyone who disputes a "previously verified" item. Why they haven't been hung out to dry yet I don't know, but that letter flagrantly ignores the law. §611 is quite clear even to a layman.

[cappyzeb]

For those who haven't seen it, Experian's blatant disregard of §611:

 

http://www.kittycredit.com/documents/ex_pi_letter.pdf

I got this exact same letter from them this month.

 

They send them out to everyone who disputes a "previously verified" item. Why they haven't been hung out to dry yet I don't know, but that letter flagrantly ignores the law. §611 is quite clear even to a layman.

I’m going to keep an eye on this situation. I may follow your footsteps.

[Shawnee]

For those who haven't seen it, Experian's blatant disregard of §611:

 

http://www.kittycredit.com/documents/ex_pi_letter.pdf

I got this exact same letter from them this month.

 

They send them out to everyone who disputes a "previously verified" item. Why they haven't been hung out to dry yet I don't know, but that letter flagrantly ignores the law. §611 is quite clear even to a layman.

I’m going to keep an eye on this situation. I may follow your footsteps.

 

If you write a letter like mine be sure to change it enough so it doesn't appear to be a form letter.

 

I'm going to string them along for a bit. If I'm quessing right I should get the exact same "previously investigated" response from this letter. Then it will be time to CC the FTC.

[cappyzeb]

For those who haven't seen it, Experian's blatant disregard of §611:

 

http://www.kittycredit.com/documents/ex_pi_letter.pdf

I got this exact same letter from them this month.

 

They send them out to everyone who disputes a "previously verified" item. Why they haven't been hung out to dry yet I don't know, but that letter flagrantly ignores the law. §611 is quite clear even to a layman.

I’m going to keep an eye on this situation. I may follow your footsteps.

 

If you write a letter like mine be sure to change it enough so it doesn't appear to be a form letter.

 

I'm going to string them along for a bit. If I'm quessing right I should get the exact same "previously investigated" response from this letter. Then it will be time to CC the FTC.

 

Gotcha!

[Shawnee]

I've made some slight changes to the letter, mostly brushing up the grammar. English was never my best subject.

[crofttk]

It looks pretty good to me Shawnee. I would change this sentence though: "If a consumer asks a consumer reporting agency to reinvestigate, it is required by the FCRA that the agency do so."

[Shawnee]

It looks pretty good to me Shawnee. I would change this sentence though: "If a consumer asks a consumer reporting agency to reinvestigate, it is required by the FCRA that the agency do so."

 

Thanks. It's still a draft and I do go over my letters for grammar and compostition before I print and send them.

 

What I'd like to know is if anyone has anything that they would add as far as FCRA sections or comment. I don't want to cite case law, I do have quite a bit but I don't want to land in special handling just yet.

[Itchiee]

Clearly Experian doesn't care, and will continue not to care unless forced to do so.

Good luck.....

[Shawnee]

Clearly Experian doesn't care, and will continue not to care unless forced to do so.

Good luck.....

 

Bingo. And if I have things figured right, this letter will result in another "previously investigated" letter.

[Itchiee]

§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

 

(7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)((iii) by not later than 15 days after receiving a request from the consumer for that description.

 

In your letter ask them to comply with this section of the FCRA and to tell you with whom they verified their information.

 

IE - What method they are using to verify. also name, address, phone number and person spoke to..etc.

[Shawnee]

§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

 

(7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)((iii) by not later than 15 days after receiving a request from the consumer for that description.

 

In your letter ask them to comply with this section of the FCRA and to tell you with whom they verified their information.

 

IE - What method they are using to verify. also name, address, phone number and person spoke to..etc.

 

I thought about that, but they didn't even reinvestigate. If they didn't reinvestigate they obviously can't provide this information. I'm going to save this section for when (if) they come back telling me they did reinvestigate.

[Shawnee]

I've made a few more minor changes to the letter. I think this is the one I will be sending unless anyone has anything that I've missed. At this point I just want to keep the subject on their "previously investigated" nonsense and the fact that the San Diego County Recorder is not the furnisher.

 

Here is how the lien is reporting on EX:

 

[bad credit man]

Clearly Experian doesn't care, and will continue not to care unless forced to do so.

Good luck.....

correct

[Shawnee]

Off it goes, the PDF in the OP now is the letter that went to them.

 

Funny thing, the clerk at the PO told me she has a regular who sends CMRRS frequently to Experian. The clerk even told me she knows EX is the worst!

 

[Jen23514]

shawnee, I know it's not funny..... but you and the that $67 PR!!!! I opened this thread and laughed and said, "oh boy! he's going at 'em again!"

 

I'm cheering for you!!!!

[manofmany]

Good luck, and I am subscribing to this thread for some future hope.

[Shawnee]

shawnee, I know it's not funny..... but you and the that $67 PR!!!! I opened this thread and laughed and said, "oh boy! he's going at 'em again!"

 

I'm cheering for you!!!!

 

Thanks Jen. I have to be honest. That lien is so ancient and insignificant that it really isn't a problem for me. I did get it off the CRA that counted, EQ. My problem and the reason I'm doing this is that EX thinks they're above the law and blatantly violates the FCRA everyday with these "previously investigated" letters. While I could easily live with that piddly lien on my report for a few more years, this practice by EX is really disgusting when it comes to bogus collection accounts. They're in bed with CAs, provide snitch services to them, and won't reinvestigate until forced to do so. I have plenty of free time on my hands right now so I'm going to carry this as far as necessary to get them to follow the law.

[Jen23514]

shawnee, I know it's not funny..... but you and the that $67 PR!!!! I opened this thread and laughed and said, "oh boy! he's going at 'em again!"

 

I'm cheering for you!!!!

 

Thanks Jen. I have to be honest. That lien is so ancient and insignificant that it really isn't a problem for me. I did get it off the CRA that counted, EQ. My problem and the reason I'm doing this is that EX thinks they're above the law and blatantly violates the FCRA everyday with these "previously investigated" letters. While I could easily live with that piddly lien on my report for a few more years, this practice by EX is really disgusting when it comes to bogus collection accounts. They're in bed with CAs, provide snitch services to them, and won't reinvestigate until forced to do so. I have plenty of free time on my hands right now so I'm going to carry this as far as necessary to get them to follow the law.

 

I think we've talked enough about this before that I understand your frustration... sometimes really standing up for the principle of the matter is important.

[fienx001]

Sue them, like everyone else: http://dockets.justia.com/search?query=Exp...p;max-year=2007

 

178 Federal Dockets, just this year against Experian.

I want to see a Youtube campaign!!!

[Shawnee]

In the mail today these two letters:

 

http://www.kittycredit.com/documents/ex_070509.pdf

 

I was a little confused so I called them up asking if they are or aren't reinvestigating. The simple answer: No.

 

So at this point I will be sending a complaint to their legal counsel (yes, I know this will put me in their special handling department again), and will be CCing the complaint to the FTC. I'll post those when I'm ready to send them.

[Needbettercreditnow]

bumping in case I need it too!

[tmkats]

Sorry to hear about what you are going through Shawnee.

 

EX is weird. Please don't get upset when I say this cause I am by no way supporting them, I think I just got lucky.

 

I disputed two things online with them - an old paid 3 year old CA and a 3 year old paid judgement.

 

Both of them came off without any problem. I have no idea why they would come back verified for you and come off for me. Maybe it has to do with the state that we live in or something. I'm in NY.

 

Anyway, just wanted to post to show the quirkiness of EX.

 

I hope that you stick it to them and that you get the deletion.