Credit Report Dispute Resolution

Summary

If you believe Experian has improperly verified a credit report entry using a third party like LexisNexis, you can dispute it under the Fair Credit Reporting Act (FCRA). The FCRA requires that disputed information be verified directly with the source, such as a court. If verification is not conducted properly, you can request the deletion of the inaccurate entry. Consider drafting a detailed dispute letter to Experian, outlining the inaccuracies and requesting a re-investigation. Include supporting documents and identification to strengthen your case.

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I have been disputing this entry on a credit report and Experian keeps verifying the information. I asked for them to verify the information with the court but Experian verified it again stating they use Lexis nexis which is a violation of fcra since lexis nexis is a 3rd party. Please draft a detailed dispute that will ensure deletion according to the law.
Here's a draft for your dispute letter:
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**** ****
* E College Ave
Saint Louis, MO *
[Date]
Experian
P.O. Box *
Allen, TX *
Subject: Formal Dispute of Inaccurate Credit Report Entry
Dear Experian,
I am writing to dispute the following information in my credit report. This item is inaccurate and incomplete, and I am requesting its removal in accordance with the Fair Credit Reporting Act (FCRA).
Disputed Item:
- Account Name: [Insert Account Name]
- Account Number: [Insert Account Number]
- Reason for Dispute: Inaccurate Information Verification
I have repeatedly requested that this entry be verified directly with the court as mandated by the FCRA. However, you have indicated that the verification was conducted using LexisNexis, a third-party vendor. This practice does not comply with the FCRA, which requires that disputed information be verified directly with the source.
Under the FCRA, Experian is obligated to:
- Conduct a reasonable investigation of the disputed information.
- Verify the information directly with the source (i.e., the court in this case).
- Correct or delete any information that cannot be verified.
Since the verification was not conducted directly with the source, I demand that this inaccurate entry be deleted from my credit report immediately.
Please re-investigate this matter and send me a confirmation of the deletion of the inaccurate information. I have included a copy of my credit report highlighting the disputed item.
Thank you for your prompt attention to this matter.
Sincerely,
**** ****
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Make sure to include any supporting documents and your identification to expedite the process.