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”
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…