dm91497 Posted March 13, 2003 Report Share Posted March 13, 2003 Can Experian simply state "already investigated" and did not re-investigate? Can I nail them at 30-days and demand the removal of my disputed item? Thank you Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted March 23, 2003 Report Share Posted March 23, 2003 Once Experian and TU verifies a dispute, it is almost useless to dispute them again because they will simply state they have already investigated.It bites but they will probably not investigate if they already verified itInstead, I use the following notation for additional letters:*********ATTENTIONYou are required by the Fair Credit Reporting Act (FCRA) to re-investigate my consumer dispute even though you have already verified this credit item. Enclosed is additional information unavailable to you when this dispute was previously investigated; therefore you are obligated by federal law to investigate this consumer dispute. Failure to fully re-investigate this consumer dispute is a violation of the Fair Credit Reporting Act (FCRA) and I am keeping careful records of any blatant disregard to adhere to federal law and all such willful negligence.******** Link to comment Share on other sites More sharing options...
Swede Posted March 24, 2003 Report Share Posted March 24, 2003 <blockquote>Originally posted by Ravenous WolfOnce Experian and TU verifies a dispute, it is almost useless to dispute them again because they will simply state they have already investigated.</blockquote>I disagree. You can't continue to use the same dispute everytime but if you change the reason for your dispute, they will re-investigate and it's not useless. The only useless thing is trying to dispute something already disputed online at EX. Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted March 24, 2003 Report Share Posted March 24, 2003 That is definitely true.There are a lot of different angles and approaches to use in disputing a tradeline and I fully recommend exhausting every avenue possible.I suppose what I meant was that once a CRA has determined that they have already verified an account or debt as really belonging to you, it becomes very difficult to get them to investigate another consumer dispute.I still have two pesky ones left with Experian and TU but both of them have decided that the information has been verified and their [EXPLETIVE DELETED] letters state they will not investigate something that they already verified. At that point, I was still disputing like, wrong date, wrong address, etc... but they just did not want to investigate anymore.However, I closely looked at the original documents and found numerous technicalities. I then used that notation stating that I have additional information unavailable to them at the time that they investigated. I sent them a copy of the documents and with a bright highlighter, I pointed out the inaccurate information. They didn't delete it but I at least got them to re-investigate my consumer dispute again.And that is what my point was, that if you end up at a stage where the CRA refuses to re-investigate, providing them with additional information is a possible way to get them re-investigate. Link to comment Share on other sites More sharing options...
Anonymous Posted March 24, 2003 Report Share Posted March 24, 2003 Does Experian even investigate at all?there are items and address that are not mine and equifax delted but experian refuses desbite evidence that I mailed too the contrary.Does that constitue a violation of the FCRAThanks for any adviseSean Link to comment Share on other sites More sharing options...
Sky Warner Posted March 24, 2003 Report Share Posted March 24, 2003 If you call Experian and tell them they are reporting incorrect adresses they are usually very good about deleting them.I have never had a problem with getting old addresses removed Link to comment Share on other sites More sharing options...
sweetpea Posted March 26, 2003 Report Share Posted March 26, 2003 (edited) <blockquote>Originally posted by craibs00Does Experian even investigate at all?there are items and address that are not mine and equifax delted but experian refuses desbite evidence that I mailed too the contrary.Does that constitue a violation of the FCRAThanks for any adviseSean</blockquote>Make a copy of your credit report and circle the error and say this information is inaccurate please remove. Do a letter for each item you want removed and they will come off. Another thing join their credit club www.experian.com ________Starcraft2 replays download Edited May 12, 2011 by sweetpea Link to comment Share on other sites More sharing options...
sweetpea Posted March 26, 2003 Report Share Posted March 26, 2003 (edited) <blockquote>Originally posted by Ravenous WolfOnce Experian and TU verifies a dispute, it is almost useless to dispute them again because they will simply state they have already investigated.It bites but they will probably not investigate if they already verified itInstead, I use the following notation for additional letters:*********ATTENTIONYou are required by the Fair Credit Reporting Act (FCRA) to re-investigate my consumer dispute even though you have already verified this credit item. Enclosed is additional information unavailable to you when this dispute was previously investigated; therefore you are obligated by federal law to investigate this consumer dispute. Failure to fully re-investigate this consumer dispute is a violation of the Fair Credit Reporting Act (FCRA) and I am keeping careful records of any blatant disregard to adhere to federal law and all such willful negligence.******** </blockquote>Good Stuff ________MARY JANE Edited May 12, 2011 by sweetpea Link to comment Share on other sites More sharing options...
Swede Posted March 26, 2003 Report Share Posted March 26, 2003 <blockquote>Originally posted by sweetpeaMake a copy of your credit report and circle the error and say this information is inaccurate please remove. </blockquote>The poster is asking about previously disputed items. Even though your approach wouldn't be advised even for a first time dispute, it's definitely not going to solve a re-investigation request. You need to be specific when dealing with the CRA's or they'll just kick it back to you. <blockquote>Originally posted by sweetpeaDo a letter for each item you want removed and they will come off.</blockquote>There's no need to send a seperate letter for each item and there's no guarantee that it'll come off in the first dispute.Oh, and I think your forgot to mention bud hibbs in this post..... Link to comment Share on other sites More sharing options...
sweetpea Posted March 27, 2003 Report Share Posted March 27, 2003 (edited) <blockquote>Originally posted by Swede<blockquote>Originally posted by sweetpeaMake a copy of your credit report and circle the error and say this information is inaccurate please remove. </blockquote>The poster is asking about previously disputed items. Even though your approach wouldn't be advised even for a first time dispute, it's definitely not going to solve a re-investigation request. You need to be specific when dealing with the CRA's or they'll just kick it back to you. <blockquote>Originally posted by sweetpeaDo a letter for each item you want removed and they will come off.</blockquote>There's no need to send a seperate letter for each item and there's no guarantee that it'll come off in the first dispute.Oh, and I think your forgot to mention bud hibbs in this post.....</blockquote>I know your right ________Alaska Dispensaries Edited May 12, 2011 by sweetpea Link to comment Share on other sites More sharing options...
gnosis Posted March 27, 2003 Report Share Posted March 27, 2003 C'mon Swede lemme do it...lemme do it! I can? O.K. here goes,"Check out www.budhibbs.com, he can help you. He also has a free book that will solve all of your credit problems. Go ahead check it out." Also stay tuned to www.budhibbs.com as he will be made the new president of what is soon to be the world's newest democracy I ra... I mean I reckon.sweetpea please take the above in good humor because you are one of the most entertaining persons on this board :D also check out www.velvetjones.com. He can help you pay off your debts...in one night! Some of you old SNL fans remember Velvet? Link to comment Share on other sites More sharing options...
morrow Posted March 27, 2003 Report Share Posted March 27, 2003 lol AWESOME! Link to comment Share on other sites More sharing options...
Swede Posted March 27, 2003 Report Share Posted March 27, 2003 <blockquote>Originally posted by gnosisC'mon Swede lemme do it...lemme do it! I can? O.K. here goes,"Check out www.budhibbs.com, he can help you. He also has a free book that will solve all of your credit problems. Go ahead check it out." Also stay tuned to www.budhibbs.com as he will be made the new president of what is soon to be the world's newest democracy I ra... I mean I reckon.sweetpea please take the above in good humor because you are one of the most entertaining persons on this board :D also check out www.velvetjones.com. He can help you pay off your debts...in one night! Some of you old SNL fans remember Velvet?</blockquote>LMFAO- very funny. Thanks for the laff!!! Link to comment Share on other sites More sharing options...
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