Letters from Experian about “a suspicious request”

Have you or your clients received a response letter from Experian like this?

“We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. We will not be initiating any disputes based on the suspicious correspondence”?

Here’s an explanation:

They don’t believe the letter is coming from the client. You may have neglected to include the client’s Photo ID and Proof of Address.

You also may have neglected to remove our http://www.creditrepaircloud.com web URL from the letter.

Here’s a solution:

• Don’t send suspicious letters!
• Don’t use legalese
• Send the letter as though it’s from the client
• Include the client’s Photo ID and proof of address
• Make sure that our website URL is not printing in the header or footer of your dispute letters. Click here.
• Never dispute more than 5 items to any bureau within a 30 day period
• And for heavens sakes don’t send letters with our URL on them! Click here to fix that!

Simplest fix is to resend same letter with a handwritten note saying:

“Oops I’m so sorry, I forgot to include my photo ID and proof of address so you know it’s me! Here they are! :)” — and be sur to include a new signature plus the ID docs.

If it happens again:

You also might ask Experian (in a letter from the client) for clarification on what they are considering to be Suspicious Fraudulent or Deceptive. That’s a fair question to ask and then you’ll know what the issue is.