Experian blows

[Maygen13]

At the beginning of the month I sent Experian a letter accompanied by my FTC complaint demanding removal of the investigated items as their response took longer than 30 days.

I just got a BS letter back with a long drawn out explanation that does not pertain to my situation of how they are unable to honor my request and if I believe and item on my report is inaccurate to notify them. NO KIDDING!!

So now what? They are medical collections that are showing a zero balance and reporting as IIB and are all out of the SOL. They are all showing terms of 1 month.

What should my next step be? Should I wait a round of disputes? Should I 1, 2 punch them? Should I DV the CA? File another complaint with the FTC?

How frustrating!!

[jjgross]

Originally Posted by Maygen13

At the beginning of the month I sent Experian a letter accompanied by my FTC complaint demanding removal of the investigated items as their response took longer than 30 days.

I just got a BS letter back with a long drawn out explanation that does not pertain to my situation of how they are unable to honor my request and if I believe and item on my report is inaccurate to notify them. NO KIDDING!!

So now what? They are medical collections that are showing a zero balance and reporting as IIB and are all out of the SOL. They are all showing terms of 1 month.

What should my next step be? Should I wait a round of disputes? Should I 1, 2 punch them? Should I DV the CA? File another complaint with the FTC?

How frustrating!!

If it's not showing account in dispute then its reporting wrong.If it's a ca they can't report any terms like 1 month,you have no contract with the ca.Her's a thought send them a c&d letter stating until it's resolved they must quit reporting it.There response was to the ftc complaint.It seems they didn't address you dispute!

[Maygen13]

Would I send a C&D letter eventhough they aren't actively collecting and showing a zero balance?

[jjgross]

Originally Posted by Maygen13

Would I send a C&D letter eventhough they aren't actively collecting and showing a zero balance?

As long as their not reporting incorrectly then wait awhile.What you want is to them to have them report it as account in dispute,if they don't their reporting incorrectly!

[vgee]

i have a question? What if the CA is reporting late payments? Is that inaccurate reporting on thier behalf also?

[jjgross]

Originally Posted by vgee

i have a question? What if the CA is reporting late payments? Is that inaccurate reporting on thier behalf also?

If it's a ca and you don't have a contract their reporting wrong.In their first letter they demand full payment usually,so their can be no payments late!one thing is they send no monthly statements,only a demand for full payment or a settlement!

[vgee]

ok thank you