Have you received this letter from Experian?

“We received a suspicious request regarding your personal credit information that we have determined was not sent by you”

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Many of you have asked about Experian’s suspicious response tactic and are curious about how it may affect you.

Experian has tried this tactic 3 to 5 times over the past 5 years and each time abandoned the practice within a few months.  At this point, I don’t see anything that causes me to believe the same won’t happen again this time around.  I believe this tactic will again be quickly exposed and Experian will stop the practice in the near future.  I suspect that there will be legal action against Experianif this practice continues.

This seems to be a widespread stall tactic by Experian, but it is not used 100% of the time.  I have discovered that consumers disputing on their own are also getting the same response.  Although many of my clients have recently received this suspicious response letter, when I pull fresh credit reports I find that often Experian has actually re-investigated the items in the original dispute letter……go figure!

For my clients I expect this stall tactic to have minimal effect on your service, because I am also disputing directly with your creditors on your behalf.

I will continue to watch this closely and provide to you more information as available…