Experian violates Fair Credit Reporting Act

Posted by Mr. Smith on November 18th, 2009 at 12:00pm

I have a judgement reported on my credit report. The record contains innacurate information. I disputed with Experian and they "investigsted" and verified the judgement in 4 days. I spoke to two representatives on the phone and asked how they verified. The first representative told me they verified by mail with the court. The second agent told me they have a bonded agent who goes to the court and verifies the information. Both agents refused to give me the name of the agency that collects the data. My comnplaint is that Experian clearly violates the FCRA, by not conducting a proper investigation. The court does not verify or provide information to the credit bureau ( I have that in writing from the court). Experian also violated the FCRA by refusing to give the name of the information provider. I would like Experian to remove the Judgement record from my credit report. I reserve the right to take further action due to the REAL FINANCIAL damages caused by their actions. I ahve disputed other items on my credit report that were not properly verified. My research has shown that this appears to be a pattern of willful violation of the FCRA. I intnd to pursue the matter with the FTC and BBB as well as possible litigation for damages.

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