On 03/16/15 I sent a letter to Experian North America. This letter is also published on this website. I received a response from Mr. Kam Naidoo, Senior Regulatory Affairs Associate, Consumer Affairs Special Services, Experian North America. Below is my response to Mr. Naidoo.
Dear Mr. Naidoo,
Thank you for your letter dated March 27, 2015, that you sent in response to my letter regarding my personal credit report.
I agree with your approach and with removal of the items from my credit report based on the retention time.
This is not the outcome that I was looking for, when I contacted your company. I was looking for an outcome that would force the U.S. Department of Education to furnish validating proof that I actually received the alleged loans either directly, or indirectly, as tuition support. My three years long dispute has demonstrated that just like the alleged loans do not exist, and the initially alleged contracts do not exist, and the initially alleged legally binding documents do not exist, such validation does not exist. Thus, every step in the debt validation process, that helps to point out the latter aspects, also helps to take this case closer to ending it.
The proof that does exist overwhelmingly indicates that the U.S. Department of Education has been making monetary demands based on bad record keeping, which it tries to cover up. Yet, the U.S. Department of Education refuses to end its unvalidated demands and to close this case. This is something that no institution that is involved in consumer financing transactions should be allowed to do.
However, your company has shown professionalism and regard for consumer rights and for this case, and your approach makes business sense. Accordingly, I cannot ask your company to be involved in this case any further.
Thank you again for your assistance,