Credit Reports Galore - denied free experian equifax

ConvexLes asked:


I’ve been trying to resolve errors on my credit reports recently, but Experian is giving me a major headache. I sent them two letters via certified mail; one to request deletions, and a second one to request corrections. Instead of addressing these issues, they responded with letters claiming they could not honor my request because I didn’t provide enough info to verify my identity. Grrrr.

There are several inaccuracies on my credit reports, but Experian is REALLY inaccurate… plus I’m under some time pressure to get this resolved. According to the Experian website, the fastest way to dispute anything is online… but I apparently need a ‘report number’ to dispute the Experian inaccuracies. Since it’s been longer than 30 days since I accessed my ‘free’ reports, I can no longer access those. Does this mean I need to purchase new reports?

If so… does anyone have any positive experience with disputing credit report inaccuracies online with Experian? Is there a better/faster way?
Is there any reasonable way to purchase access to all 3 CRA’s, where you can dispute errors from alkl three agencies all at once? I was looking at Experian’s 3-in-1 reports ($40)… but they don’t say if you can dispute online directly from those reports, or how long you have access to them. I need to know the fastest (and simplest) way to do this. I can’t imagine why they make this process so complicated….
Johnny K - These are mostly items that have already been paid that are still showing delinquent. (Paid either by me directly to the creditor, or paid (late) by insurance. Most are old medical bills that have long been taken care of. They also think I still owe $17,000 on my truck… which I paid off the lease early, and purchased in 2004. (They seem to believe I have behind on my payments all these years. HA…What a mess!) There is also a large and rather puzzling phone bill with a provider I have never used.

There is one creditor (medical) that I do still owe money too… it seems insurance isn’t going to pay any more on it. (it took them about a year to pay anything on it… which is what I’ve been waiting for.) I’m willing to pay that bill… but is it unreasonable to ask them to remove it from my record once it’s paid? (It was never supposed to go to collections in the first place, since insurance was technically still pending…)

STEVIE