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Whyspers v. Experian and XXX
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The History
(The X's represent the original creditor with whom a settlement was reached. Per the confidentiality agreement, they will not be mentioned or discussed in any identifying manner.)
Initially I noticed this account being reported twice on Experian's consumer report by XXXXX. One tradeline was scheduled to age off the report in early 2003 while the second listing was not scheduled to age off until late 2005. I did not recall ever having an account with XXXXX. While researching this account, I disputed the duplication with Experian. Unfortunately, this resulted in the re-aging of the account by more than two years when Experian deleted the earliest tradeline.
To make a long story short (you can get pretty much the whole story from the Complaint), Experian re-aged the account and XXXXX continued to verify the account as being accurate. After also disputing the account with Equifax, it too was re-aged by two years and TransUnion reported and continues to report a purge date of 2007! Needless to say, all three consumer reports are incorrect.
After numerous attempts at obtaining information about this account from XXXXX, it soon became apparent (after they told me they would send documentation of the account for a fee of $3.00 per document and rather than sending the documentation, instead applied my "copy fee" to the balance due) that the only way this would get resolved or I would even determine if the account was mine was to file a lawsuit.
Soooo...there you have it. This should certainly turn out to be an interesting case. | |
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