[LoneCenturion]

Hi,

I am wondering what a general consensus is on the following events:

4/29: Initial online submission of disputed items to Equifax, from a credit report purchased from them. A Dispute Confirmation number was given, and as a precautionary measure, the submission form (showing what was disputed) was printed before sending electronically to Equifax.

5/30: No communication was ever been received to this point from Equifax.

5/30: Calling Equifax and being transferred to over 6 people and 5 different departments resulted in discovering the following:

• 1) Equifax claimed to have no record of the dispute initiated on 4/29
• 2) Equifax applied tremendous, relentless pressure to "re-submit" disputes
• 3) Equifax repeated stated that they do have more than 30 days to resolved disputes

7/17: Checking Equifax credit report reveals several items were indeed listed with a status of “consumer disputes; reinvestigation continues”.

1. This should be impossible as on 5/30 Equifax stated it “had no record” of any disputes created and confirmed this through several representatives on both 5/30 and 7/17. On 5/30 all they seemed to wish to do was "resubmit" or "re-initiate" disputes.
2. Equifax denied knowledge of violating FCRA time deadlines
3. Equifax applied tremendous pressure to re-submit disputes and was unhelpful, even hostile, in general.
4. Equifax rep proceeded to re-submitted disputes without clear consent from consumer, thus tagging them with a 7/17 date. Refused to "undo" this action.

Besides all that, they don't even have my name right (I'm listed as a "junior"). I disputed everything negative, including my bankruptcy-- so besides the prospect of having a correct credit report, based upon what I've read in the FCRA everything I disputed should have been removed-- including the bankruptcy as they did nothing for 60 days!

I've also enlisted the help of lexington law as a friend of mine had good results with them. But I really want to take it to Experian for insulting me by ignoring my original dispute on 4/29-- the one which they totally denied knowledge of, for which I have proof I submitted, and for which all of the items magically show as under dispute 60 days later.

What do you all think? If I can sue, do I have to do this pro se? I can't find a federal attorney at all (I do have a complaint with the FTC though). Is the bankruptcy and everything I disputed actually removeable now as they did not investigate in a timely manner? What about having my name incorrect as a "junior"-- does that give me any leverage as their entire record being questionable? (My grandpa used to call me that so I didn't think anything of being listed as a junior officially on the report-- but it never was nor has been my legal name).

[Hedwig]

I've moved your post to the credit forum, where it will get more attention.

[apexcrsrvc]

What state are you in and what are your damages? Experian is pretty reasonable in terms of litigation.

[jlynn]

Your title says Experian, but your post says Equifax...your post sounds more like EQ than EX.

[apexcrsrvc]

Again, what are the damages?