Experian Dispute – You are most likely reading this article because you had an Experian Dispute similar to my own, and found yourself facing the dreaded step by step approach to resolving it. If you’re like me, these steps got you nowhere, and you’re more frustrated now than before. For those who share this frustration, I’d like to share my experience on finally defeating Experian by way of a pre-trial conference.
I Was Suing Over A Experian Dispute!!
The Experian dispute boiled down to a series of tax liens unlawfully showing up on my credit report. These liens showed up on Transunion and Equifax, as well. I took the time and effort to send dispute letters to each credit bureau, informing them of the incorrect information, and that it needed to be deleted according to my rights under The Fair Credit Reporting Act.
Equifax & Transunion were the first to delete the misinformation from my credit reports, complying with Fair Credit Reporting guidelines. It was clear to them that the information was unverifiable. Experian, however, was reluctant to delete the misinformation and eventually decided not to delete the tax lien entry – leaving my Experian dispute in limbo. So, I sued Experian.
Experian Dispute - The False Information Was Killing All Of My Credit Scores!
By Law, The Experian Dispute Had To Be Deleted!
I was required to attend a pre-trial conference where both, I and the representatives of Experian, met before mediators to discuss ways to reach a resolution outside the courtroom. An effective pre-trial conference can save a good amount of money by keeping the case in front of mediators, instead of taking it straight to trial. Experian brought in a legal employee from Portland, while I was represented by Lexington Law.
My legal representative from Lexington Law, defended my case by stating: “The Fair Credit Reporting Act indicates that the consumer has the right to request that the credit bureaus verify the accuracy of reported information. If they can not verify their information with the furnisher (the organization that furnishes the credit bureau with account information), and cannot verify the accuracy of ALL of the information (that is, 100% of the information MUST be verifiable, not just part of it) – then the inaccurate information on the credit report must be deleted.”
The Experian Dispute Was Removed, Thanks To Lexington Law!
The Experian representative counter-argued by saying that the Experian dispute remains unresolved, because they verified the tax lien at the County Recorder’s office – where the liens were present in my records. Once again, my legal representative stated that under the laws of the Fair Credit Reporting Act, the information must be obtained by the original furnisher, and not a secondary source. The information Experian gathered was insufficient, and the investigation took longer than 30 days. So, due to their incomplete investigation. the tax lien entries weres unlawful.
As a result, my Experian dispute was legally deleted!
I Got This Notification A Week After They Deleted My Experian Dispute!
Throughout my failed attempts to resolve my Experian dispute, I learned that many other people faced this very same problem. Trying to resolve an Experian dispute without legal help is tough. It’s difficult enough to do the research on your own, but to defend your position against the legal “eagles” of Experian is another monster altogether. My Experian dispute carried-on (unresolved) for over a year – it was exhausting. I knew I needed someone knowledgeable enough to fix my credit problem quickly.
It was then, that a friend told me about Lexington Law and what they had to offer. I had never heard of them before, but better late than never!
Lexington Law offered a money back guarantee, so I decided that I wouldn’t be losing by letting them take a chance at resolving my Experian dispute. Even if we were unsuccessful, I wouldn’t have lost any money, and wouldn’t be worse off than I already was. After I saw how knowledgeable my representative was, and how quickly he resolved the Experian dispute, I regretted not looking into legal counsel sooner.
Using Lexington Law in the beginning would have saved me alot of time, money and frustration. Now that I know about them, I’m using Lexington Law whenever I have credit issues – no doubt about it!
With The All My Disputes Resolved, My Credit Scores Cleared Up Fast! No More Experian Dispute!
So, that was my experience. If you have an Experian dispute, here’s are a few key things you may want to take away:
-
The law is on your side.
-
Use the Fair Credit Reporting Act to delete an Experian dispute.
-
Make no mistake: credit bureaus MUST follow The Fair Credit Reporting Act.
-
If the information in your Experian dispute is even 1% incorrect, it MUST be deleted by law.
-
If ALL of the information on your credit report cannot be verified 100%, it MUST be deleted by law.
-
During the pre-trial period, the credit bureaus investigation must be completed within 30 days (with 100% accuracy), or the Experian dispute MUST be deleted by law.
An Experian dispute is common because the credit bureau hopes that consumers will be too lazy to do anything about it. Also, the massive amount of paperwork involved in resolving an Experian dispute is so daunting that most people just don’t have the time to go back & forth to courts. Lexington Law can save you from your legal missteps, and provide you with FREE legal & credit repair advice that can resolve your Experian dispute - quickly.
If you are interested in learning more about the laws in the Fair Credit Reporting Act, or how to delete disputes from your credit report, namely, an Experian dispute, check out this FREE eBook!
