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Any Suggestions for Experian's Response?


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14 days ago, I disputed a 1994 HFC Nevada account with EX. This was their reply:

As part of our fraud-prevention program we evaluated the address used to create your personal credit report. To assist you, we must verify your current mailing address. Please send us two proofs of your current mailing address such as complete copies of a recent utility bill, driver's license, bank or insurance statement. Ensure that the copy is legible, in your name, and includes the statement date. For your protection, we are unable to accept credit card statements, voided checks, lease agreements, magazine subsriptions or posta servicel forwarding orders as proof of your address. If you send an original document, Experian will be unable to return it. Please include the following information: a copy of this letter, your full name including middle initial (and generation), social security number, date of birth and previous addresses for the past 5 years.

If you wish to request an investigation of information on your personal credit report, please list the account and account number, and tell us specifically why you believe the information is not accurate. When we complete our investigation process, which may take up to 30 days, we will send you the results.

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Threaten to sue on these grounds:

Credit bureaus

if they refuse to correct information after being provided proof Defamation, willful injury FCRASection 623

CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit CourtCase 115 F.3d 220

June 9, 1997, Filed (D.C. No. 95-cv-01743).

Extent of damages incurred by the wronged party, as deemed by the courts

Credit bureaus

if they refuse to correct information after being provided proof Defamation, willful injury FCRASection 623

CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit CourtCase 115 F.3d 220

June 9, 1997, Filed (D.C. No. 95-cv-01743).

Extent of damages incurred by the wronged party, as deemed by the courts

if they fail to respond to your written disputes within 30 days (a 15 day extension may be granted if they receive information from the creditor within the first 30 days)

Consumer protection afforded by the FCRA FCRA Section 611 Part (A)(1) $1000

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