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Experian - countless violations

Friday, October 03, 2003

Experian fails to report consumer disputes in violation of the FCRA

This is really important, and I'm always thrilled to see people who file those complaints with the FTC. Of course they do nothing but ignore those complaints, but it's important to be able to PROVE that the FTC knows what's going on and fails to act.

After all, this isn't about ONE violation damaging ONE consumer, it's about the Experian way of doing business and ignoring the FCRA entirely, intentionally and maliciously.

The FCRA requires that consumer disputes be reported on consumer reports. I believe that Trans Union also ignores this provision.

The discussion and FCRA quotes are at CreditForum.org.

Sunday, September 21, 2003

Experian CEO Craig Smith’s Response

I just scanned the filing and posted it at CreditCourt:

9/8/03 - Craig Smith's Reply in Support of his Motion to Dismiss

I don't know anything about the law, but it seems to me that ANY attorney should be able to put Craig Smith in prison for a LONG time using my filings. If Craig Smith STILL doesn't *legally* know that Experian and ConsumerInfo.com are defrauding consumers on a MASSIVE scale, what could one possibly do to create some awareness?

I'm so tempted to dismiss all the bureaus and refile, SO much has happened since March and is missing in my complaint.

But then I'd never know the outcome of this case. I have to remind myself that the main purpose of my suit is to document and publish what happens.

Have to be patient ....

Thursday, August 28, 2003

My Objection to the Craig Smith Motion to Dismiss

Well, that was good practice - I'm sure the TU and Equifax CEOs will be next.

Posted my Objection at http://forum.creditcourt.com/discus/messages/803/2106.html

I could use a week off.

Wednesday, August 27, 2003

Experian’s Ms. Hysmith left VM

Of course she called while I was on the phone with CreditData SW, she left their mailing address.

What bothers me most is their attitude that they call me at THEIR convenience. The consumers are supposed to sit by their phone and do nothing else until Experian returns the call. Why couldn't I just hold?

Called Experian - they refused my call

Last night I got this message when I tried to dispute online:

"?Your report requires special handling. Please call us at 1 800 493 1058. Be sure to tell us that you received this message that your report requires special handling.?

I called and spoke with Martha, in the team Challengers:

She told me to call the 602-528-7785 for CreditData SW. I read to her the entire message above, but she refused to assist me or to transfer me to a supervisor.

I requested a toll-free number, and Martha stated that this # was local to me. I assured her that it is NOT local and asked whether they would reimburse me for the cost of the call. She stated that I would not be reimbursed. She again declined my request to be transferred to a supervisor and hung up on me.

I called back and spoke to Ron Gilbert. Asked why the online decline gave me their number when they couldn't help me. He didn't know. He again gave me the CreditData SW number. I asked why he couldn't provide me with a toll free number and he stated that's all he has. I requested to be transferred to a supervisor, he told me she was not available. Bethany Hysmith will call me back.