Experian idiotic response to FACTUAL “duplicate account” dispute - REFUSED to investigate
A client has a paid utility collection reported TWICE on his Experian report:
The dispute:
“1) [collector] [account number] and [account number] appear to be reported in duplicate. I had only ONE utility account and as you can see, all the dates are identical.
The Experian investigation result:
“The creditor is reporting more than one account number: therefore each account will appear on your personal credit report. You may want to contact the credit grantor if you have more questions.”
Experian apparently did NOT forward this factual dispute to the utility company. And realistically, they shouldn’t even have to get the creditor’s investigation result to delete one of the accounts because it’s so OBVIOUS that the accounts are duplicates. How could you have TWO accounts with almost identical data from a utility?
I hope my client sues.
Not being able to fax everything to a competent FCRA attorney to file the suit next week is the most frustrating part of my job. Even if Experian immediately deleted the duplicate account after being served, they’d still be out at least $5K to my client and his attorney.
And if all consumers with these legitimate claims sued, it would soon be more cost effective for Experian to comply with the FCRA than to blatantly disregard consumers’ rights to save on investigation related expenses and for the purpose of lowering consumers’ credit rating and making the credit reports more valuable to creditors because they can charge higher rates.
Posted by Christine on 01/30/2007 at 09:30 PM
2003 Suit (appealed, Experian filed credit reports on PACER) • Experian - countless violations • (0) Comments • Permalink
