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Experian & Academy Collection Agency


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This is really nice, I sent Experian a letter asking them to please remove Academy Collections from my Credit Report. I provided Valid proof(copy of validation letter and Green card), that I sent Academy a letter asking them to Validate this debt which was not done.

This is what Experian sent me back,

We are responding to the information you sent to us. Unfortunately, we could not use this information. We are contacting the source of the information you questioned. When we complete our verification process, which may take up to 30 days, we will send you the results.

.......OK , When I show a Credit bureau proof that a Collection Agency did not validate, shouldn't this be removed????

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  • 2 months later...
OK , When I show a Credit bureau proof that a Collection Agency did not validate, shouldn't this be removed????

Not really no, the CRA's are only obligated to provide reasonable procedures to ensure maximum accuracy and a green card along w. a DV letter doesn't really show that the information is incorrect because the CA doesn't have to ever reply directly to you (unless within the initial 30 days), however, they cannot verify the account with the CRA without a notice of your dispute which is where you'll get your leverage.

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