Experian - Too much expertise

suburbanwifey

Spearhead wrote: »

Good ��
Thing is that Experian themselves tend to disagree
Complaint is about:
1-alerts received in November about searches made in September
2- notices of correction and removed searches which were still showing
3- score going up and down without any changes, stating there were changes but none were seen on the report

No, the complaint is not about paying the membership, and anyone who got a response in four hours must be joking

Anything else?

Excuse me? you calling me a liar? No, I am not joking, I got a response within 4 hours and they also spoke to me on the phone. And no, I don't work for Experian before you throw that one at me as well.

ILW

A few years ago when I had an identity theft problem, I found they were very good on the phone.

Never bothered with the score thing though

Spearhead

Great to have all this feedback and all comments are much appreciated and taken into consideration for improving my lousy long style
Cheers

DCFC79

re point 2 of your complaint to cancel the subscription id phone up to cancel it,

Spearhead

suburbanwifey wrote: »

Excuse me? you calling me a liar? No, I am not joking, I got a response within 4 hours and they also spoke to me on the phone. And no, I don't work for Experian before you throw that one at me as well.

No offence, and didn't call you a liar. But any email query sent to them is normally answered first by an automated message saying we will deal with your email within the next couple of decades, then a reply a century later. You're not a liar, you're just very lucky 😉

Spearhead

Dear Mr Xxx
>
> My name is Xxx and I will be dealing with your queries from 06 January 2012.
>
> I am concerned that you feel it has taken a long time to reach a satisfactory conclusion to your queries and am sorry that you feel you have not received the level of service you would expect from Experian.
>
> - Experian Credit Score
>
> I note that your score dropped from 19/12/11 to 21/12/11.
>
> The reason for this drop was the addition of the two accounts recorded by Fortress Group (UK) plc (accounts started on 06/09/11 and 30/09/11). These accounts were not showing on the report that you viewed on 19/12/11.
>
> When you viewed your credit report on 21/12/11 these accounts showed a 'file updated' date of 06/11/11. This means that the information in question was correct up to and including this date. It does not necessarily mean this was the date that the information was loaded onto our systems by the lender.
>
> The 'file updated' date showed a date in November even though the data was provided to us in December because lenders usually provide us with an update of their accounts a month in arrears. This means that when an account is opened or when a payment is made it can take a several weeks to show on our records.
>
> Lenders do not send updates to us on the same date each month and occasionally their updates can take longer than a month if they or us are conducting additional checks of their data before it is loaded onto our systems.
>
>
> - Alerts
>
> The alert that we sent you for the week ending 25/12/11 relates to the search of your credit report by Credit Reporting Agency Ltd on 19/12/11. This would relate to a search by one of the other credit reference agencies or a company such as checkmyfile.com
>
> An "Unrecorded Enquiry" does not indicate that the search was made as the result of a credit application, but reflects that the company has searched your report for other purposes. This type of search is not seen by other credit companies when they search your report and this does not affect your score.
>
> Alerts are sent on a weekly basis so you will be alerted to any significant changes to your credit report at the end of the week in which the change was made.
>
>
> - Searches on 25/09/11
>
> I am unable to locate the searches you are referring to dated 25/09/11. Please clarify which entries you are referring to so that I can assist you further with this part of your query.
>
>
> - Xxxxx plc (Searches dated 02/11/11 and 31/10/11)
>
> Every time a company conducts a credit search, a separate search is recorded on our records. This is because it is not uncommon for an individual to request several quotes for a product from a single company.
>
> What I am doing for you:
>
> I am deleting the duplicate search entries from your credit report.
>
> Your report will change in the next seven days.
>
>
> What next:
>
> Keep viewing your credit report to see any changes.
>
> If you would like a letter confirming the deletions then please let me know.
>
> This means that there are now two searches recorded; one on 02/11/11 and one on 31/10/11. I am unsure if you believe there should only be one search recorded on 31/10/11 instead of one on 02/11/11 and one 31/10/11. Please clarify this for me and I will be happy to contact Xxxx for you.
>
>
> - Xxxx (Search dated 05/09/11)
>
> I am sorry that the previous amendment to remove this information from your credit report did not take full effect.
>
> I am removing this information from our records.
>
> Your report will change in the next seven days.
>
>
> What next:
>
> Keep viewing your credit report to see any changes.
>
>
> - Accepting a search
>
> You do not get the option to accept a search when you use Lower My Bills because when you fill out the online form you agree to being searched by companies that match your requirements.
>
> As a licensed client of Experian, each company is obligated under the Data Protection Act 1998 to ensure that they are complying with the relevant legislation. This includes obtaining an individual's consent before searching their credit report.
>
> I trust that this addresses all of your concerns. However, if you do have any further queries regarding your credit report then please come back to me.
>
> Kind regards
>
> Xxxx
> Customer Service Executive
>
> Customer Support Centre
> Experian

suburbanwifey

Spearhead wrote: »

No offence, and didn't call you a liar. But any email query sent to them is normally answered first by an automated message saying we will deal with your email within the next couple of decades, then a reply a century later. You're not a liar, you're just very lucky 😉

Yeah, I got an automated message and then another email a few hours later. I guess I was lucky.

Locana

I was mesmerised by all the commas.

kuohu

The sentences, do they ever end?

Sorry OP, it's just unreadable. I lost the will to live.

Spearhead

kuohu wrote: »

The sentences, do they ever end?

Sorry OP, it's just unreadable. I lost the will to live.

Agreed. Thanks. Will work on that
Reducing the length of my sentences that is, not your will to live :rotfl: