myboyLincoln Posted August 20, 2012 Report Share Posted August 20, 2012 I did a simple "not mine" dispute 2 yrs ago with Experian for an OC TL. They verified.Now, 2 yrs later, a lot has happened so I disputed the TL again but this time gave new, specific, detailed dispute for balance, a reported payment I did not make, dates, etc.My reason for the dispute is to get the TL deleted due to an NDA in place.Experian refuses to re-investigate unless I send them relevant proof for my dispute.I have proof within the wording of a PUBLIC court document.However, I am unsure if I will be breaking the NDA if I share this even though it's a public record.I'm stuck! Does anyone know if I can send this document without shooting myself in the foot? Link to comment Share on other sites More sharing options...
racecar Posted August 20, 2012 Report Share Posted August 20, 2012 How to Dispute Credit Report ErrorsI would make a redacted copy and send it in. Link to comment Share on other sites More sharing options...
nascar Posted August 21, 2012 Report Share Posted August 21, 2012 If you dispute a debt claiming it is "not yours," attempting to prove it is "not yours" by providing the credit reporting agency with proof that it "is yours" is probably not going to achieve that goal.The question is, "Is the trade line being reported correctly"? Link to comment Share on other sites More sharing options...
myboyLincoln Posted August 21, 2012 Author Report Share Posted August 21, 2012 nascar, please re-read my original post.I did the "not mine" simple dispute 2 yrs ago just to start the process to set up FCRA for arbitration.Things settled very satisfactorily before the need for any FCRA claims.Now, 2 yrs later, I am attempting to get the TL deleted because there is an NDA in place and OC can not disclose info.I have hit a snag in my plans by Experian refusing to re-investigate without further info for proof of what I am disputing as inaccurate.I have a public court document which states the fact.I am concerned about sharing this document, even though it is public record, due to breaking my end of the NDA.I am trying to grasp if I can disclose the proof to Experian.Redacted the document is an idea, but if I redact details, how will they know it pertains to me, the OC, and the specific acct? Link to comment Share on other sites More sharing options...
1stStep Posted August 21, 2012 Report Share Posted August 21, 2012 Contact the data furnisher and remind them of the agreement. Also remind them that their reporting to Experian is a breach of the agreement. Give them 30 days to remove and if they don't, file for breach Link to comment Share on other sites More sharing options...
myboyLincoln Posted August 21, 2012 Author Report Share Posted August 21, 2012 I carefully reread the NDA and I can disclose public facts I will send my info to Experian's Registered Agent to hopefully get over their brick wall.Thanks for everyone's help!!! Link to comment Share on other sites More sharing options...
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