growingupbunnie Posted February 10, 2007 Report Share Posted February 10, 2007 Experian has an original creditor reporting STILL --yet the collection agency assigned the account is expiring because its too old (7.5 yrs) to still be reporting. I have written to Experian requesting that they remove the OC since its on my CR w/o an expiration date yet all they did was UPDATE IT. Please help! Now Experian REFUSES to remove their mistake. It's illegal for them to still be reporting the OC yet they won't delete it! Somebody help!! Link to comment Share on other sites More sharing options...
CreditLawGuru Posted February 12, 2007 Report Share Posted February 12, 2007 if it's a dergoatory TL, and is beyond the reporting period, it is illegal to keep it on your CR. The only way to "make" them take it off your CR is to sue them. Link to comment Share on other sites More sharing options...
elyse449 Posted February 12, 2007 Report Share Posted February 12, 2007 Well, I agree w/ creditlawguru. If they're trying to keep in on your CR's beyond the 7.5 yr time frame you are probably well within your rights to sue.I guess if it were me and I was at that 7.5 yr mark, I'd write the furnisher (the original creditor) and inform them that their reporting time has expired and could they please remove it from my Experian credit report. If they don't, submit formal complaints to BBB, Attorney General Offices (for your state AND theirs) and Federal Trade Commission. From there, locate a suitable ITS (Intent to sue) letter to send to Experian or the furnisher (OC, not sure which you'd go after). Whatever you do, make sure you're ready to sue though. Elyse Link to comment Share on other sites More sharing options...
IHateCAs Posted February 12, 2007 Report Share Posted February 12, 2007 What this tells me is that the OC is not doing their job and reporting dates correctly. Blame rests with them and not EXP. Link to comment Share on other sites More sharing options...
growingupbunnie Posted February 14, 2007 Author Report Share Posted February 14, 2007 Are there specific laws/statutes I can quote? Also, Experian is the only one doing this reporting...this OC is not reporting on Trans or Equi anymore.Also, who am I complaining against? The OC or EX or both? Link to comment Share on other sites More sharing options...
newbie7069 Posted February 14, 2007 Report Share Posted February 14, 2007 First off you need to contact Experian to find out what the OC is reporting as the DOFMD. This you can do on the phone.Check that against what the CA is reporting as DOFMD. As well as checking your own personal records.Have you sent in an actual written dispute of this TL to Experian? If you have, then follow the guidelines in the above links for "Disputing w/Original Creditor". Link to comment Share on other sites More sharing options...
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