kkingsbu Posted August 12, 2015 Report Share Posted August 12, 2015 Hi All, Long time reader first time posting. I have started working on my credit repair over the past few months. On my last dispute with Experian, I received a stall letter claiming it was a "suspicious request" and that they "will not be initiating any disputes based on suspicious correspondence." I sent them a copy of my drivers licence and utility bill, and also had my current address and SSN on the dispute form. Also, this is the second dispute I have had with them and they were able to properly identify me on the first one. Not sure what the difference is now. I am wondering what the correct next step would be with them. I have read through a number of posts on this subject. Some of them stating that I should respond with a letter telling them that it is me and that they need to complete the dispute. Other posts mentioned that I should complete the 30 day waiting and then send a letter demanding the deletion. I never really got a good feeling for which worked best. Anyone have any experience with responding to this letter and what the best next steps would be. Thank you for your time. I really enjoy reading this forum and getting all sorts of good advise from it. Kevin Quote Link to comment Share on other sites More sharing options...
VADebtor Posted August 12, 2015 Report Share Posted August 12, 2015 File a CFPB complaint Quote Link to comment Share on other sites More sharing options...
fisthardcheese Posted August 12, 2015 Report Share Posted August 12, 2015 Did you send this dispute CMRRR? I have gotten this response when a lawyer sent a dispute on my behalf. I believe there are some key words or formats they use to flag a dispute in order to prevent the use of professional "credit cleaning" companies. I would simply send the dispute again with a simple stamp on the envelope, wait 30 days and see what they say. Quote Link to comment Share on other sites More sharing options...
kkingsbu Posted August 14, 2015 Author Report Share Posted August 14, 2015 Thank you for your responses. @VADebtor - I have not heard of CFPB before but did search for it on this site and saw there was quite a bit of information on it. Looks like it may be a good avenue to pursue. Thanks for the pointer there. @fisthardcheese - I did send the dispute CMRRR. It just seems strange that they accepted the previous dispute that I sent. It had the same identification information as I sent this time. But this time they seemed to think it was "suspicious". So if I send in a response to this letter, does it restart the 30 day dispute window with them? In my response, should I mention the fact that I am looking at filing a complaint with the CFPB? Would that give me any traction with them or would mentioning that not make much of a difference? Thanks again for any help you can provide. Quote Link to comment Share on other sites More sharing options...
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