위에 두 분의 조언과 충고 감사합니다.
밑에 글은 혹시 저와 비슷한 일을 겪으시는 분들을 위해서 남깁니다.
오늘 오후에 제가 그저께 Experian에 요청한 dispute에 대한 답변이 왔습니다. 저는 Experian이 dispute 과정에서 저와 제가 빚을 지고 있는 entity (텍사스의 해당 아파트 혹은 debt collector) 의 입장을 중개할거라 생각했는데, Experian이 제가 빚을 지고 있는 entity 로부터 제가 빚을 지고 있다는 단순 사실만 확인했다는 것을 알게 되었습니다.
덧붙여 Experian은 제가 이 dispute에 동의를 하지 않을 경우 취할 수 있는 4가지 방법을 알려주었습니다. 참고하시기 바랍니다.
What if I disagree with the outcome of this dispute?
1. Contact the source of the information
You may contact the entity that originated the information and dispute with them directly. This is usually the company that provided you the loan or other credit, but could also be a collection agency or government office. The contact details for the source of each item of information are listed in your credit report.
2. Add a Statement of Dispute
A statement of dispute allows you to explain why you think the information is inaccurate or incomplete. The statement will appear on every copy of your credit report. Lenders and other businesses who view your credit report can read your statement and may ask you for more details or documentation as part of their application review process. To add a statement of dispute, enter the Dispute Center, choose the item in dispute, and select “Add a Statement” from the menu of dispute reasons.
3. Dispute Again With Additional Relevant Information
If you have additional relevant information to substantiate your claim, you can submit a new dispute by uploading the additional documentation in the Dispute Center. You can also submit a new dispute with additional relevant information to Experian at P.O. Box 4500, Allen, TX 75013.
4. File a Complaint
You may file a complaint about Experian or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General’s office. You may submit a compliant to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau, PO Box 4503, Iowa City, IA 52244.
Dispute With Other Bureaus
There are 3 credit bureaus that report your credit information: Experian, TransUnion, and Equifax. Though your dispute is completed with Experian, you may wish to also dispute with TransUnion or Equifax.
Equifax
• Equifax Information Services LLC
• P.O Box 740256
• Atlanta, GA 30374
• Equifax Online Disputes
TransUnion
• TransUnion Consumer Solutions
• P.O Box 2000
• Chester, PA 19022-2000
• TransUnion Online Disputes