When you submit a business dispute, a Commercial Relations Agent is assigned to conduct a thorough investigation of your credit file. Depending on your request, the investigation may take about a month or, in complex cases, longer. Your request will go through several steps before being completed:
1) The request is received and logged, pending assignment
. In this phase, your email has been read and posted to the Commercial Relations case management repository. All documents you have provided are also stored in the repository. Cases are logged in the order received and placed in a queue to be assigned to an agent. Experian automatically escalates disputes regarding bankruptcies for prompt attention. Cases are typically assigned to agents within 5 to 7 business days.
2) Next, the request is assigned to an agent, in queue to be worked in order of date received
. Once an agent is assigned, your case will be queued to be worked in the order of the email "sent" date. First come, first served. Expect your case to be queued for a few days to two weeks.
3) The next stage, when the investigation is in progress with an agent
, your file is first reviewed to confirm that the data in your file relates to only your business. This process can sometimes be complicated and take a long time. The agent confirms, using public record sources, the acceptable variations of addresses and business names to be included in your file. It is always helpful to provide all current and past names and addresses in your dispute so this portion of the investigation is done quickly and accurately. Depending upon the type of changes requested, this process may occur over several days or weeks, with changes becoming visible to you as the agent processes them. In all situations, the agent is only authorized to make changes that are verified by supporting documents. Until you are notified that your case is closed, continual changes may occur.
4) In some, but not all cases, the agent will reach out to verify your disputed items with the reporting organization. For example, in the event your dispute involves creditor trade payment data or legal filings, the agent will contact Experian data providers on your behalf to support your disputed items. Your dispute status will be: case is awaiting information from external trade, legal data reporter, or internal contributor
. During this phase, Experian is required to provide the data reporter ten business days to reply. The status of your case may change if the data reporter replies promptly, or the case may take longer if there is back-and-forth communication.
5) When the agent updates your credit file, your case status will be: awaiting report production to confirm updates
. After updates are made to your file, a revised credit report, score etc. is generated. This process generally takes one business day, but in same rare cases, may take as long as one month. In many cases, the production processes run over the weekend.
6) When the production process has completed, your case is closed
. Please see email from email@example.com for more information. Before the agent closes the case, they will review a current version of your credit report. Remember that the agent is only authorized to make updates that they can verify through supporting documentation. In some cases, the report will be under a new BIN. The agent will compile and send an email describing the updates made along with other pertinent information. You should have an email from firstname.lastname@example.org. The email will include your case number and the current Experian BIN for your business credit report.
Should you have questions regarding your dispute, please feel free to contact Experian Commercial Relations at BusinessDisputes@experian.com
or 888-211-0728 to speak to an agent.