Succulent

Can you help me decode my first response from Experian?

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Hi all, here's where I'm at:

I sent dispute to all 3 CRA's by CMRR. Experian was received back as undeliverable. I sent another along CMRR to a different address. Yesterday I received a response.

The response stated "We have already investigated this information and the credit grantor has verified its accuracy." Followed by a few paragraphs of form letter mumbo jumbo.

When I purchased my house a few years ago I did dispute all negatives (electronically...) Is that what they are referring to?

Also, the letter says "Please refer to the personal credit report you received for the name, phone number, and address of the credit grantor who verified this information." The problem is I never received a credit report from them, just this form letter.

Finally, on the back of the letter there are 3 accounts listed. I originally disputed 10 accounts. There are no notes about these 3 accounts. Does this just mean that the 3 listed are the ones that were verified?

I'm really not sure where to go from here, should I wait a few weeks to see if my credit report does change or just contact Experian with a validation request? Thanks for reading and all the help!

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What did your dispute letter state? Do you ask them to investigate the tradeline or verify it?

Keep all written correspondences and return receipts...build the paper trial.

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Thanks for the quick response!

The letter from Experian starts off by saying: "we are responding to your request to verify item(s) on your personal credit report. We have already investigated this information and the credit grantor has verified its accuracy."

To me it seems that they did conduct an investigation and are just telling me that the accounts were all verified.

However, now Im just confused on why they would tell me to refer to my credit report I received when I have not received one. Aren't they supposed to send me a copy when they complete an investigation?

Also, why they would list only 3 accounts on the letter?

And, yes, I have copies of everything I am doing and a calendar set up to track all dates.

Thanks again

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Dear Experian,

I've just reviewed my credit report and have noticed there are 10 innacurate items on my report:

i listed them 1 - 10 as follows:

Account name - Acct #####

This account is not mine

I have enclosed a copy of my drivers license as proof of identity.

Sincerly,

(signature)

SS#

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I also wanted to add the dates I sent/received my letter.

The letter was signed for by Experian on 9/15/2012. So, the 30 day mark would put them at 10/15/2012. I know that I don't want to contact them to ask any questions until the 30 day period lapses. Would you say that this is an attempt by them to get me to contact them? Or, does an investigation typically come back this quickly?

thanks again!

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