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Experian

Saturday, November 29, 2008

Experian refuses to provided the scheduled deletion date

A client disputed two accouts, they investigate one and ignored the other.  He asked when the charge-off would be deleted.  The account was not mentioned in the investigation results and there still isn’t a deletion date on the report.

At least 20% of Experian chargeoffs don’t have a deletion date.  Experian OFTEN reages accounts to delete 7 years after the charge-off was sold instead of 7 years after the account was charged off (or sooner, depending on the date of first permanent delinquency.)

And, Fair Isaac STILL creates entirely fictitious lates on the myFICO reports.  It is truly incredible that FICO scores are based on formulas developed by the world’s most INCOMPETENT programmers.

I can only try to make them irrelevant, I’ve given up fighting for justice.  The new Trado site is slowly coming along, got lots to learn about Drupal.

Wednesday, January 16, 2008

Experian online dispute problem and NO telephone number on the credit report

This is just so frustrating.

I got Experian CreditManager’s alert for the WaMu delinquent account, now reported as 30 days late.

So I wanted to dispute it online.  Please note that I do NOT normally recommend online disputes because only very few consumers are able to DOCUMENT their dispute by saving each screen and because you only have a few characters to describe a specific dispute.  Since the Experian online disputes are supposed to be transmitted directlly to the creditors, I thought it would be the way to contact WaMu without having the CRAs mess up my dispute by applying some stupid code INSTEAD of forwarding my exact dispute.

After 20 minutes of clicking around, I give up.  There’s a link on HOW to dispute:

To dispute:

Select an account or public record item

Click on the item to view the details

Click the orange “Dispute this item” button next to the account or public record you believe is inaccurate

Select the specific reason that best explains why you feel the information is inaccurate
If you need to further explain the reason for your dispute, click on the “Additional information” box and type in your comments (this information will be forwarded to the source for verification purposes only)

If you want to add a personal statement to your report, select “Personal statement” and choose your statement. Once you add the statement, it will display to anyone who reviews your report.

...

There is NO orange “Dispute this item” button next to the account.

There are links to more of the crummy Experian products, but NO dispute button.

I also checked the “Your Personal Statement” link and there’s a link on how to add and delete statements.  According to the link, there should be an “Add statement” button, but here is none.

Again, I do NOT recommend these statements, they are NOT usually seen by creditors and if so, they are ignored.  I just wanted to see whether it worked, but there was NO link to add a statement either.

So, is it just ME or is the CreditManager web site screwed up?

Oh, I WOULD have called, but I could not find a phone number ANYWHERE. 

I reviewed the Experian report and it does NOT provide a telephone number for disputes!

It makes me so angry.

This is one more reason to STOP paying your unsecured debt.

UPDATE:

I found their phone # after I logged out:

“For general information or product questions contact us at 1-866-673-0140”

I called and got to a guy who claimed to be able to see the buttons that I can NOT see.

This is totally crazy.  I’m using IE 7.  When I have more time, I’ll log on a client’s report and to see what I see there.

Here is the number for telephone DISPUTES, but my dispute is too important to let Experian screw it up:

If you need personal assistance, locate your Report Number and call us. Information is updated frequently, so you should contact us within 90 days from the date on this report.

Experian
800 493 1058
Monday - Friday, 9 am to 5 pm in your time zone
http://www.experian.com/disputes
P.O. Box 9556
Allen, TX 75013

Friday, November 30, 2007

Experian answer and corporate disclosures - recusal

The answer is not worth looking at, but the corporate disclosure is interesting:

The undersigned, counsel of record for Experian Information Solutions, Inc., (“Experian”) hereby certifies pursuant to FRCP 7.1 that the following listed parties have a direct, pecuniary interest in the outcome of this case. This certification is made to enable the Court to evaluate possible disqualification or recusal:

1. Parent Companies: The parent company of Experian is Experian Group Limited.

2. Subsidiaries Not Wholly Owned: The following companies are subsidiaries of Experian that are not wholly owned:

(a) First American Real Estate Solutions, LLC
(b) First American Real Estate Solutions II, LLC
(c) Vehicle Title, LLC
(d) Central Source LLC
(e) Online Data Exchange LLC
(f) New Management Services LLC
(g) VantageScore Solutions LLC

Publicly Held Companies: Experian Group Limited owns 100 percent of Experian. Experian Group Limited is publicly traded on the London Stock Exchange.

Dated: November 29, 2007
OSBORN MALEDON, P.A.

For the purpose of recusal, shouldn’t they also list the companies owned by the PARENT company?

And it sure is amazing that the British have the financial and personal data for EVERY American. 

How about Saudi Arabia, Iran, China, Russia and some other countries start credit reporting companies in America?