Monday, September 25, 2006
ALERT: Experian sells consumer credit reports with less than half the data and refuses disputes
A CreditFactors subscriber ordered the $10 report at Experian
What you get is THIS “report”—it contains LESS than half the data!
So she tried to dispute, and Experian then went into VERIFICATION mode and DECLINED her attempt to dispute incorrect data.
Experian took her $10 - provided the partial consumer disclosure, but REFUSED the disputes!
The audacity to provide the credit report WITHOUT verifying the consumer’s identity. Experian couldn’t care less who gets your personal identifying data.
Experian’s objective is to limit consumer disputes.
Of course this piece of crap Experian sold her does NOT contain a report number, so she can’t dispute by phone. You get the FULL report with at least most data and the report number if you dispute online.
It’s really too bad that ONLY violence gets results in America. The banks and CRAs control the courts, consumer attorneys and legislators.
UPDATE: Apparently you have to RE-APPLY to dispute and to get the full Experian report at http://www.experian.com/cic/
“cic” stands for ConsumerInfo.com, the Experian owned consumer report reseller. Consumers go to Experian.com to order their EXPERIAN report, Experian provides the links to ConsumerInfo.com, consumers PAY ConsumerInfo.com for the report that contains all identifying data, but is missing over half the account data, and then consumers have to go through “verification” to get the complete report and to be able to dispute.
Only in America ....
2003 Suit (appealed, Experian filed credit reports on PACER) • Experian - countless violations • (2) Comments • Permalink
