PROBLEMS WITH EXPERIAN CREDIT BUREAU HIGHEST SEARCH TOPIC ON THE DUNNING LETTER

Of all the information available on The Dunning Letter that readers could search for, problems with the Experian Credit Bureau—particularly not being able to file a dispute or not being able to even contact the company—top the list. And this doesn’t even include general searches like “credit bureau dispute.” This has been going on since I posted on the fact that my Experian credit report—a report I paid $90 yearly to access—vanished from the system and didn’t return for two months. No explanation, zilch. Links to four posts: one, two, three, four. This all happened mysteriously after I had done some posts on Experian in my blog with unfavorable comments. Not that this was the reason, but, as they say, very coincidental. In addition, there were heated comments to the post links, above, from readers that seemed to be at the end of their rope and ready to pounce on the next person that got in their way. All because of a lack of response from Experian to real problems experienced by these consumers. Based on these experiences, and because ConsumerAffairs.com does such a good job of documenting complaints against the three credit bureaus, I have decided to post regularly on the latest updates, bringing you the current status on problems with these agencies. In future articles I will also report on how consumers are dealing with this dilemma, and link to authoritative sites that provide advice on how to deal with any situation where credit bureaus balk at responding and/or legally following up on complaints. In this first post, Experian will be featured, but the other two credit bureaus, Equifax and TransUnion, will be covered at a later date. Now to the horror stories. There have been 12 of these since the beginning of 2008, all documented on ConsumerAffairs.com Experian Complaints. New Jersey man reports Experian’s refusal to provide free credit reports, after insurance company breached personal data. Bank account frozen due to opening of bogus accounts. New York disabled person puts daughter on credit card account. E transferred his HSBC debt (financial institution with most FTC complaints) to her name and refuses to correct. E would not communicate. Man contacted state Attorney General and got results. Texas disputed inaccurate item, and when E refused to remove, he threatened to sue. He was blocked from credit report, suffered rude treatment. A Chapter 7 bankruptcy wrongfully ends up on Florida’s credit causing score to drop 100 points. E will not respond, cannot get a human on phone. Lost a mortgage on his first home. California received a letter from E stating “someone” had requested change in couple’s names/address and Social Security numbers, but would offer no additional info. After providing copies of passports, driver’s licenses, mortgage statement, and pay stubs, E wanted more identification. Filed complaint with ConsumerAffairs.com. Michigan sent letter with documentation to dispute negative items to E’s president, Kerry Williams, who refused to investigate. Tennessee is in a two year battle with E over credit report problems. Equifax and TransUnion made necessary changes requested, but E continues to be a “nightmare.” To contact Experian, here is the address and telephone number: Experian, P.O. Box 2002, Allen, TX 75013, 1 888 397 3742. If you have the same problems as others have reported, above, I suggest you file complaints with your state attorney general, the FTC, and ConsumerAffairs.com. Good luck!