EXPERIAN - Page 2

Jerseee · #11 04-03-2004, 01:59 PM

Tora and Whirlwind,

Please be patient and allow the process to work. 7 days or 20 days is not 30 days. This is why I say 60 days.

I know it can be frustrating but, you must allow them their due process as well. Everyone knows that the entries are unverifiable so let their dishonor do them in.

Please be patient. This is your test. If you just sit back and think about it--waiting for results is the hardest part of all. You and I know you can prove your claim but, they don't know what you know. This is your upper hand.

Long suffering is part of your salvation but, there is stress that is put upon you by outside forces and then there is your own pressure that you put on yourself--the later can be controlled and the previous type of stress can be dealt with. But your patience is your trump card to winning this whole thing.

#12 04-03-2004, 02:01 PM

It's strange that on&page 2 of the credit report&they responded with the same canned response, but on page 3& they say the&following& (which is standard on every credit report):

Correction Summary

About our verification process

The following shows the revisions made to your file as a result of our verification. 

If you still question an item, then you may want to contact the source of the information personally.

The federal Fair Credit Reporting Act states that you may:

** request a description of how we verified the information, including the business name and address contacted and the telephone number; if reasonably available; 

** add a statement disputing the accuracy or completeness of the information.... 

If no information follows, our response apppeared on the previous page. 

~~~~~~~~~~~~~~~~~~~~~~~~

They said you "may" contact the source of the information.&So, it's not necessary to do so.

Also, I think I now know why they cannot verify the information.My credit report says there are four Federal Tax Liens&on file with the county recorder, but what is on file with the county recorder are "Notices" of Tax Liens not real Tax Liens.&What they are reporting is not an accurate description of what is on file with the county recorder!

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Jerseee · #13 04-03-2004, 02:07 PM

Then file a claim against them for reporting false information. Accroding to the code.

But the important thing about doing that is you must have exhausted your remedy to reslove the situation and that paper trail that you preivously created is proof of their dishonor. this is where your patience will pay off. When you are sick and tired of being sick and tired.

#14 04-03-2004, 02:27 PM

"Then file a claim against them for reporting false information. According to the code."

Yes, that's what I'll have to do.Asking them to verify the Tax Liens as real Liens would&be a trap.& They already know they are reporting false information, so that's what I need to do: File a complaint.

Jerseee · #15 04-03-2004, 02:29 PM

Please be prepared to battle. And never argue.

have fun

#16 04-04-2004, 05:32 PM

I just filed a complaint&with FTC (online) on Experian.

If they give me the run around also, it will be time to file suit.

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#17 04-06-2004, 08:51 PM

It looks like I will receive no response from TransUnion or Equifax with regard to verification of the tax liens. They have ignored my letter of 25 days ago.& It may be because I did not send the letters&certified.&Tomorrow another letter goes out.&This&time,&certified.&

I am now positive&I will hear nothing back from the Federal Trade Commission (FTC)&regarding my complaint about Experian.The complaint will be&saved for futher evidence.&

What a racket.

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#18 04-10-2004, 11:32 PM

I got a letter from Equifax today regarding the tax liens. They said, "Thank you for your recent correspondence regarding your Equifax crdit File. We are investigating your concerns at this time".

That's all they said.

Nothing so far from TransUnion.

#19 04-27-2004, 04:21 PM

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rushpat · #20 04-27-2004, 04:23 PM

So, an unverified tax lien can now be reported with no effort on their part?