I decided to clean up my credit or lack of since I was now a senior citizen living with my daughter and wanted to not owe anyone anything, as required by my religious beliefs. I wanted to get a list of old bills and clear up any discrepancies. I started with annualcreditreport.com which is free. I knew not to get all 3 at once. I would start with Experian and after that company, move to another and gradually make sure my credit report was good. I do not worry about my low score. I have always paid cash for purchases.

I received my report back aafter a lot of correspondence because a mortgage bill was on it that wasn't mine. They would give me no information about it but after threats of contacting the Federal Trade Commission, I received my report. I accepted the medical bills and carefully wrote reasons why I disputed the charged off Verizon bill ( closed and owed nothing, sent modem back), and other bills, Cox Cable paid a year later to make sure I had nothing else added. They refused to accept my explanations and reopened the charged off bills. And said thank you for updating our information. They did not have my new address before. I have not ben able to get any more response from them. The same happened from Experian, only they said I had a car loan in my name, too. I disputed that as I do not even have a license anywhere, and my explanations were ignored. Again, thank you for updating our information. There were 5 ladies with my name in the area I moved from.

I applied for a free credit report from Experian - Credit Expert and decided to cancel it the same day. I emailed the Company and received a response to say they were looking into my email. I then found my credit card had been charged £6.99 and after a lot of searching, I found a freephone contact number for Experian and rang them. They said I could not cancel via email (funny the email I received did not say this!) and had to ring to cancel. They then agreed as a'Goodwill' gesture, to refund the latest monthly payment (which was news to me!) of £6.99. I then found I had already paid £6.99 which they have held onto. I would not knowingly have applied for anything with a monthly charge as I only wanted to have a quick glance to see if it was worth it and decided it was not. I believe this to be another scam as it is not made clear from the outset that you can't cancel the product other than by telephone and by then it is too late as they have your credit card details and take out the money!

Sidney Dale Harrell
Mailing address: P.O. Box 807, Rose Hill, NC 28458
Physical address: 191 Earl Davis Road, Teachey, NC 28464
PH: 910.289.4373
D.O.B. 11-20-1955
SSN 242-94-9254

I have a person on my credit report that I have no idea who it is. I would like to have this person removed and my credit report updated immediately.

Incorrect Listing:
Randee Laura Gordon
4812 Latimer Road, Raleigh, NC
D.O.B. 1958
SSN 265-84-1994
PH: 919.781.7638

Reported by: Experian

Please email me at [email protected] when resolved.

Sincerely,
Sidney Dale Harrell

601 Experian Pkwy
Allen, TX 75013-3701
(972) 390-5000‎

Apparently, I want to find a lawyer who specializes in dealing with or knows the
law about Credit Terrorism. I submit my complaint that Experian has commited
an act of Credit Terrorism! The Credit Terrorism is mainly the factual based
evidence that the Experian Company refuses to provide live telephone support,
and totally automated machines that make deliberate errors to people's credit
report! People's lives are TERRORIZED by Experian and other Reporting Agencies
like them, who do not provide adequate security to the Credit Report in question. I feel terrorized by Experian and the constant complaining and no
live representative who can assist the issues, must be sued! I ask anyone who
is a lawyer or knows of a lawyer to file charges of Credit Terrorism, and file
lawsuits against Experian! Before it is too late!! Is there a way to go to Allen, TX
and protest this, get the media involved!? Let put this on CNN or Fox News!
I propose that Experian does not care about people's lives or well being, but is
just collecting information to terrorize the people they claim they protect! I
urge all credit conscience people to please consult an attorney and file papers
on Credit Terrorism charges against Experian!

I have not used credit of any kind in years. In April I wanted to purchase a pre owned Nissan and assumed I had nothing but good reports on my credit. I learned that I have good reports, but also had reports that did not belong to me such as owing $28, 000 for a vehicle, credit card accounts I never opened, married to people I don't know and living in towns I don't know. I was able to purchase a vehicle but the interest rate is a killer. Of course, one cannot speak to an individual at the credit bureaus; you have to write and I am still wanting for a response. This will take forever, but in the here and now my credit score is suffering. These agencies do not even try to keep things straight in your file. How does this happen? All three need to be sued, maybe then they would provide better service. They have too much power and no consequences for errors.