Experian violates Fair Credit Reporting Act

Posted Wed November 18, 2009 12:00 pm, by David P. written to Experian

Write a Letter to this Company

I have a judgement reported on my credit report. The record contains innacurate information. I disputed with Experian and they "investigsted" and verified the judgement in 4 days. I spoke to two representatives on the phone and asked how they verified. The first representative told me they verified by mail with the court. The second agent told me they have a bonded agent who goes to the court and verifies the information. Both agents refused to give me the name of the agency that collects the data.
My comnplaint is that Experian clearly violates the FCRA, by not conducting a proper investigation. The court does not verify or provide information to the credit bureau ( I have that in writing from the court). Experian also violated the FCRA by refusing to give the name of the information provider.

I would like Experian to remove the Judgement record from my credit report. I reserve the right to take further action due to the REAL FINANCIAL damages caused by their actions. I ahve disputed other items on my credit report that were not properly verified.
My research has shown that this appears to be a pattern of willful violation of the FCRA. I intnd to pursue the matter with the FTC and BBB as well as possible litigation for damages.

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Re: Experian violates Fair Credit Reporting Act by Teresa B. Posted Mon November 23, 2009 @ 3:16 PM Is it that the actual Judgement is wrong and should not be reported or is that the Judgement should be reported but has incorrect information included? If the judgment is correct, you should have known that, since you would have had to go to court or at least been served notice to appear. If you disregarded the notice and didn't go to court, then the creditor can have a default judgement against you. If the judgement is accurate but contains incorrect information then you might have to get the court that ordered it to fix it and provide you with the corrected judgement. Send that in via certified letter requesting that the file be updated. If the judgement is not yours then again you would need to get the court to give you proof. Its up to you as a consumer to correct the issues. You can not leave it up to a company that handles thousands of files each month to do it. If you can get proof that the judgement is not yours, send a copy via certified mail requesting that the information be removed. Reply fcra611 by David P. Tue November 24, 2009 @ 2:25 PM