Legal Question in Credit and Debt Law in California
Experian Employee/Employee's Altered Credit Entry
I have copies of my Experian credit report and a copy from last year. An employee at Experian has altered an entry regarding a bankruptcy from 8 years ago. I have been denied credit by my Credit Union siting their credit report.
I discovered the exact error after a loan officer in another state ran my TRW to purchase a home where my daughter now lives. She caught it right away, they use 3 reports. I confronted my credit union about the error on the report, they pulled their records and acknowledged the reports had been altered in the last year. They called Experian to request the information be corrected Experian refused stating, ''Providian is no longer our client, what their entrys say is no longer our concern''. The manager at the credit union informed them the entry had been altered at their end and was false. They are refusing to correct the mistake. I filed a complaint with the Federal Trade Commission, they responded in a 3 page letter advising me to obtain an attorney and file against Experian credit for deliberatly falsifying my credit report and seek damages. This false information has been submitted to two home loan lenders and several student loan agencies.
What can I do now. I have the proof in my possession.
1 Answer from Attorneys
Re: Experian Employee/Employee's Altered Credit Entry
We need to review what documentation you have to support your claim as proving altered documents from a credit bureau is generally difficult to prove. We would also have to review the FTC complaint as well as their response. You may be entilted to damages, but documentation of these also has to be proved.
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