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Review 3/22/2010
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I received my annual free report from Experian with no inaccuracies. I purchased a new credit monitoring through my bank because I didn't want a bias report from one of the three. Experian reported the most inaccuracies, including outdated, re-aged, and items that had been deleted in 2006 as not belonging to me.
I sent a certified letter disputing the inaccuracies and it came back marked "REFUSED". Under new Experian policy they will only accept disputes on-line.
I try to dispute on-line and this is a joke that consumers need to complain about not only to the FTC, but their Assemblyman and State Attorney General for Consumer Protection. You can not dispute inaccurate personal information (i.e. another family member, unknown address, etc.)
You can not question or dispute credit inquiries you did not authorize. In one case, I was trying to provide evidence that the company pulling credit was not a legitimate firm, but utilizing their agency to phish for information for the intent of some kind of credit scam.
Several items previously disputed and deleted have relisted since this "no mail" policy. I can't dispute it on-line because it is already listed and having been previously disputed. There is no way to dispute or supply supporting documents.
Accounts re-aged, there is no category for that specific issue. There is no way to accurately dispute it.
All the websites claim they will refuse consumer disputes at both the Costa Mesa CA and Schaumburg IL address. The old PO Box in Allen Texas has been eliminated.
Worried about the long term impact on consumers without a secure internet connection (those who access via the library or other public site) and those who do not have internet access.
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