experian will not remove fraudulent accounts i disputed 4 times also has wrong address the original creditors?

Question

say they pulled them from collections.... i dont know what else to do.

i sent police report and anything else they asked for.

i dont want a loan i want my credit report cleared up thanks anyway

Answer 1

You might start out by going to the BBB or Google to find the addresses of the original creditors. If you find the addresses, you might send them letters telling them of the fraud accounts and include a copy of the police report.

If the origianl creditors fail to remove the accounts, you might file complaints against the original creditors and EX with the FTC, the BBB and also with your AG and the original creditors AG.

Then redispute with experian and include your FTC complaint.

The FTC will not generally get involved on any one particular complaint. They usually wait until they have quite a few similar complaints before they take action. But, even though the FTC won't intercede for you, the CRA's don't like it when they are reported to the FTC and "usually" comply if one is made.

If the accounts continue to be reported, you might consider suing.

You might consider starting out by sending an intent to sue (ITS), and if they don't comply, follow it up by actually filing.

You should do everything in writing and sent certified mail (but not return receipt) to create a paper trail in case you need to sue.

You might click on my profile, then click on the last link I have listed and do some research and reading.
Also, never overlook your own states statutes. You may find many of your states laws, or links to them, on that site.

Answer 2

Here's your problem. You don't know the law and you are doing everything wrong.

Lets start over. Hopefully you have kept some copies of what you already did. But here is the procedure you must follow. Remember, all letter are to be sent by certified mail/return receipt. Otherwise, you have no proof anybody was notified. Those for letters/phone calls to experian can't be proven. They will simply deny any conversation took place.

1) Send a letter to Experian. Dispute each item and give as many details about your complaint as possible.

2) Send a "demand to validate" letter to the collection agent/creditor. By law they must provide proof you have a legal obligation to pay them. That means copies of contracts, bills, receipts, and everything they used to calculate what they claim you owe.

If you do not have the correct address for the creditors, wait for word from the credit bureau. By law, they have to investigate any complaint, and they must contact the creditor. If the creditor does not respond, they must delete the entry.

If the do get a response verification from the creditor, ask the credit bureau to show how this verification was done. They will then send you the address and contact info of the person who verified your debt. Send your demand to validate to that person.

3) If you do not get validation from the creditor, send another letter to the credit bureau and demand the entry be deleted.

4) If you get validation and it is not complete or correct, send whatever evidence you have to the credit bureau and demand another investigation. You must offer whatever proof you have to show they are wrong.

If you are the victim of identity theft, you need to send an affidavit stating this.

Once all of these these steps are complete, if they are still listing this on your credit report you can now sue both the credit bureau and/or the creditor for $1000 for each violation.

All of these steps are listed in the Fair Debt Collections Act and the Fair Credit Reporting Act. Also check out the link I suppled, and look around their site for copies of sample letters and other usefull information.

Contact me if you need more help.