dannyj Posted July 17, 2003 Report Share Posted July 17, 2003 I called experian to see the status of the disputes on my account(s). I got the usual still investigating. What really surprised me was when I asked what the remainig negatives were in my report I was told of a CITI charge-off that I know they deleted last month. I went off at them saying I would sue them for reinsertion without notification. In the process of holding, I ordered a new CR from EXP and the account was not there!? She got back on the line and told me that "It is still in their in-house report but will not be seen by potential creditors or reflect on my score".That sounds like something should be illegal about it, no?What do you think? Link to comment Share on other sites More sharing options...
BrassFan Posted July 17, 2003 Report Share Posted July 17, 2003 I went off at them saying I would sue them for reinsertion without notification. In the process of holding, I ordered a new CR from EXP and the account was not there!? It's possible that they weren't able to verify it, so it was deleted. Then, the creditor re-reported it. So, Experian masked it so that it won't show up to potential creditors.She got back on the line and told me that "It is still in their in-house report but will not be seen by potential creditors or reflect on my score".I wouldn't worry much about it...I'd go ahead and move on to other things that need to be fixed in your credit report. I'd keep a copy of the report that shows it was there, and one showing it was deleted. In the future, if it does show up to a creditor, you can hammer them then. But, for now, I wouldn't worry to much...Experian is probably right in that it won't show up to creditors. Link to comment Share on other sites More sharing options...
kbean Posted July 17, 2003 Report Share Posted July 17, 2003 i have had similiar issues with cra's via phone checks on disputes. the reps will tell me about deletions that have not taken place when i look at privacy guard. they will say things are verified and will remain and when i look at my report on privacry guard it's not there...they just can't read. last friday tu told me that the ca hadn't responded to my dispute which should have ended the 13. i called on the 11th...they said on the 11 no one responded (which was a friday) on monday i got a copy of my updated report and it said 'verified no change'they are morons. Link to comment Share on other sites More sharing options...
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