It s Inevitable That it Will Happen, But Yes, the Credit Bureaus Break the Law - And Often

I will use one of my own personal examples. Right after my round with identity theft and going back through to clean up my credit reports, I had an issue with one of my own accounts not reporting correctly. The account read Bob's City Credit Union. I disputed that as having never belonged to Bob's City Credit Union. I was a member of Bob's County Services Credit Union.

When the report came back as "verified" I contacted TransUnion to find out what the deal was. Eileen Little, a nightmare of a woman, claimed that she called Bob's City Credit Union, that they verified the name, my dates of employment with Bob's City, why my account was closed, and a host of other private information. I then went ballistic. I sent a copy of my contract with Bob's County Services Credit Union showing TransUnion that I was never a member of Bob's City Credit Union and demanded the name of the person who had provided (without my permission) all of the private information to Eileen Little. It was at that time, she decided that she no longer wanted to speak with me and told me that my lawyer needed to contact them for further information.

Here's the deal: I wasn't trying to do anything illegal. I was disputing information that was FALSE on my credit reports. TransUnion admitted that they didn't verify the correct information, and refused to speak with me further about it.

Experian has now admitted to doing the same. It came to my attention recently that if you have any brain in your head when you write a dispute letter, Experian will automatically assume it came from a website like Lexington Law, and will mark any further disputes as "unable to re-investigate." Here's the deal. Regardless of whether you wrote the letters yourself, or paid someone else to, the law is very clear: the credit bureaus MUST RE-INVESTIGATE at the request of the consumer. The FTC and the Fair Credit and Reporting Act is very clear on this. If you demand a re-investigation, you are entitled to it by law. Experian knows this, and doesn't care.

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