March 23, 2004
3/16/04 Experian/Jones Day letter - I have NO idea what's going on
Courtney Vaudreuil with Jones Day, the Experian and CIC legal team, replied to my 2/28/04 letter, Exhibit AN
Her reply is scanned below and she confirms that "... you are not able to dispute items over the internet, ..."
Why IS that? Why can't I dispute on the net and on the phone like everybody else? Why are all the CRAs retaliating?
I have no idea what she is saying in the second paragragh, whether my questions are about Experian or the ConsumerInfo.com report. I really don't give a rat's ass that "Consumerinfo.com is a separate corporate entity from Experian." I had questions about the 2/27/04 CIC report, my Exhibit AN-3.
Why can't I get any answers? Why is she acting like she doesn't know which report I'm talking about?
She HAS the exhibits, they were mailed WITH my letter!
I had sent questions about the CIC privacy policy directly to CIC, and she wrote on 1/13/04 that I need to send questions to her (see the scan below). So I did, and now THAT!
Then she gives me a lecture on discovery and assures me "I am willing to help you resolve any alleged inaccuracies on either your Experian credit file or Consumerinfo.com report. However, as we are currently in litigation, my treatment of this matter must follow the appropriate rules and procedures set forth under Federal and local laws."
She's telling me to (deleted) off. Just great. Of course they're ALL telling me to (deleted) off. They're so skilled.
And she's asking for DOCUMENTS to prove that Trans Union claims that CIC is altering their data.
Of course all I have is the telephone recording from Lisa at TU and the transcript, Exhibit P-3. Haven't posted the transcript yet, but here's the audio file. Sorry it's such a large file, 1.5 mb, maybe somebody can make that a little smaller?
I wonder if they expect me to die or something.
They know exactly how screwed up their credit reports are, they know that I can prove it, why aren't they AT LEAST trying to look like they're concerned with their FCRA non compliance?
This sure explains why most Americans are living in a daze, drugged, drunk and watching TV. It's tough to want to deal with this reality. It seems like the only functioning brains are working for evil corporation, trying to make sure nobody wants to think.
The 3/16/04 letter:
The 1/13/04 letter:
Comments
Christine,
I have made several efforts to dispute my Experian
credit report that has 10 discrepancies from other reporting agencies. What I got was an 866-852-6902 number that cost$$ to call. They give you a web sight and want you to pay to dispute your report.And in reading your mail it appears you can not e-mail a dispute so how do you fix your report with these people? It seems they do not want you to e mail wont give address or phone numbers .Equifax and transunion make it easy to dispute with phone numbers address and even fax numbers. Laurie Eugen Ore
Posted by: Laurie at March 24, 2004 03:09 PM
866 is a toll-free #, it doens't cost you anything. I think it's ridiculous that they want you to fill out all that info AGAIN at experian.com/cic - obviously they just don't want people to dispute and make it as difficult as possible. However, it does NOT cost anything - at least I didn't see anything on that page.
It is an FCRA violation that they don't provide you with a phone number to CALL IN your dispute.
I hope that many consumers will start adding those violations to their suits.
NOTHING will change until MANY people go for jury verdicts.
Posted by: Christine at March 24, 2004 03:48 PM
I too am trying to dispute discrepancies with my credit report (according to experian) to no avail. Ironically my report does not show any past due amounts or collection agencies trying to collect any sums of monies. If there has been any changes in making this any easier please contact me via email. If there is anything I can do to make this task any easier again please inform me. Rafael
Posted by: Rafael Gonzalez at April 10, 2004 01:23 PM
It's NOT easy, nor is it free, but the very best information on what and how to dispute is at http://creditfactors.com/
Posted by: Christine at April 11, 2004 04:07 PM
I,ve tried to Fax my dispute to you all but the fax # is disconnected, who do i dispute to? john t. arnold what,s the deal anyway?
Posted by: john t arnold at April 20, 2004 02:17 PM
Dispute online.
Posted by: Christine at April 22, 2004 03:04 AM
I need to know more about some things that has been put opn my credit. I called the number given to ask questions and they gave me this web site.What good is this?
Posted by: Sabrina at April 27, 2004 10:40 AM
Who gave you this web site?
Posted by: Christine at April 27, 2004 04:15 PM
I need to get something off my credit report that is not to be on there.
Posted by: Virginia E Robinson at May 25, 2004 09:25 AM
You need to dispute with the credit bureaus.
Posted by: Christine at May 25, 2004 12:55 PM
I was recently denided credit by Discoverycredit Card. I am sure that is because of a Tax lien . This lien was in 1994 and has been paid off for many years. All of my othere credit is exelent/ can you help me?
Posted by: Connie V Harless at June 1, 2004 09:31 AM
Tax liens are reported 7 years from the date of payment and it's very unlikely that you were declined because of it. Get your credit reports with the FICO score to see what brings your scores down.
Posted by: Christine at June 1, 2004 12:00 PM
Comments are CLOSED because this blog has MOVED!
For UPDATES please visit and post at the NEW site at http://www.creditsuit.org/