Determined1 Posted February 7, 2007 Report Share Posted February 7, 2007 Hi,I have been attempting to have a "judgment" removed from my Experian report for several years. I have a document from the court that says the case was dismissed, but EX couldn't care less (I get every excuse back - we cant use your documentation, item has been verified, frivolous dispute, etc). Today's response was I can add a consumer statement to my file, so I was thinking of adding this purposely sarcastic consumer statement:"This item has been dismissed by the Court per statute #### and a signed statement by the Clerk of the Court, Mr. XXX XXXX on 5/1/04. Because Experian willfully violates the Fair Credit Reporting Act, United States Law and Consumer Protection Statutes in the State of Florida - and will not follow the court's instructions and properly remove this inaccurate item from this report, I deem this item on my Experian credit report to be frivolous."Think they'd add it? Link to comment Share on other sites More sharing options...
divemedic Posted February 7, 2007 Report Share Posted February 7, 2007 Consumer statements do you no good. Where is the judgement from?First, contact a bigwig at the CRA. Then if you can prove that it is not valid, sue the CRA. If you don't know how, get a lawyer. Link to comment Share on other sites More sharing options...
Determined1 Posted February 7, 2007 Author Report Share Posted February 7, 2007 Hi Dive,My post is half in jest. I was thinking...what if some CRA clerk without thinking posts that statement (please re-read it) - a lawsuit at that point is a slam dunk becuase they will have admitted to breaking the law. I am of course, counting on the stupidity of a CRA's poorly trained and poorly paid clerk.... Essentially, what if we added consumer statements that turned the tables on the CRA's by putting the blame on them. I know it doesnt erase the negative item, but it opens them up to two things legally - either refusing a consumer's statement thereby violating the FCRA, or stating their own violations as we see them. Or have I read one too many of my credit reports too late at night.... Link to comment Share on other sites More sharing options...
momof5 Posted February 7, 2007 Report Share Posted February 7, 2007 email kim.hughes@experian.com and tell her that if it is not off by tomorrow you will have no choice but to sue. Give her a number to call you at....and she can and will help you on this! Link to comment Share on other sites More sharing options...
Determined1 Posted February 7, 2007 Author Report Share Posted February 7, 2007 Wow, thanks Momof5! You guys are awesome! Link to comment Share on other sites More sharing options...
FicoSchmico Posted February 8, 2007 Report Share Posted February 8, 2007 Can we put anything in our consumer statements we want?How about "Roll Tide" ?or "Hook 'em Horns", or "Go Blue" LOL Link to comment Share on other sites More sharing options...
Determined1 Posted February 9, 2007 Author Report Share Posted February 9, 2007 Hey I like that. Let's start a trend... I'm adding to any OC negative listing:Bring it on!To any CA listing:I'm the Decider, and I decided this is incorrect. And to that stubborn public filing...Oh Bite me! Link to comment Share on other sites More sharing options...
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