Braden Construction, Inc.

Complaint: ***
I am rejecting this response until the investigation has been completed to satisfaction from both parties
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me
Regards,
*** ***

Complaint: ***
I am rejecting this response because: It is NOT CLEAR as to if this hard inquiry will be removedThey just said they'd dispute it to ***and send correspondence in the mail...I will accept the business' response ONCE I know for sure...it will be taken OFF my credit report
Sorry,
*** ***

Revdex.com:
I have reviewed the response made by the business, and find their response answered my question about who they are and why they pulled a credit report on me. However, I would suggest Factual Data disclose to the Credit Bureau and the Credit Bureau disclose on the consumer's Credit Report, Factual Data's client or at least that they pulled the report for another partyIn this time of rampant identity thief, one of the consumer's main defense mechanisms is to monitor who is checking their creditI do not believe most consumers have a clue who or what Factual Data is or what they do. Their website does not shed a great deal of light on that either
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me
Regards,
*** ***

Complaint: ***
I am rejecting this response because: After talking with the three bureaus I decided to reject the response # 1.because according to the bureaus is that it said that the credit scores are reported the same as the score that I receive and that the off brand services use their own models to fulfill their requesters demands.# And it does not matter what models that's used the credit scores should not change and when I look back on may 25th I can see very clearly that my credit score did change a lot and I wonder just many other consumers suffered the same actions on that day alone.So having said that I feel at this point I will have to move to mode # none of this back and forward is getting any changes made and this will keep on going until someone get it changed and to stop agencies from hurting consumers with this practice just to make a few bucks
Regards,
*** ***

Complaint: ***
I am rejecting this response because: I never requested, approved or received a loan packet through this company.
Regards,
*** ***

October 2, 2015Revdex.com8020 S. County Road 5 #100Fort Collins, CO 80528Re: Case No.: [redacted] – [redacted]To Whom It May Concern:In reference to the complaint identified by the above mentioned case number (the “Revdex.com Complaint”), FactualData provides the following response:Factual Data attempted to obtain additional information surrounding the inquiry of March 22, 2014.  We were unable to obtain any additionalinformation and therefore will request the inquiry be removed from Ms. [redacted]’ credit file. A copy of the removal request has been mailed directly to Ms.[redacted]. Sincerely,Shawn E[redacted]Senior Compliance Officer

February 9, 2017   VIA Revdex.com COMPLAINT     Re:          Revdex.com Complaint                  ID Number: [redacted]   Dear [redacted]:   Thank you...

for contacting Factual Data through the Revdex.com’s consumer portal. Your complaint, which was received by Factual Data on January 30, 2017, stated the following under the portal’s “Consumer’s Statement of the Problem” section:   "I recently discovered that your company ran an unauthorized credit inquires on me on the following dates 2/29/16 and 3/25/2016. I did not authorize such inquires and this constitutes a violation of my rights under the Fair Credit Reporting act 604; as well as a violation of my rights to privacy and subjects you to a fine. I'm demanding that you contact the following credit reporting agencies TransUnion, Equifax, Experian immediately and have your inquires deleted from my credit file. As you or company do not have any permissible purpose to pull my credit report as I didn't authorized it. If you find the inquires referenced above to be valid, please send me a description of the procedures used in your investigation and proof of authorization within 15 business days of the completion of the investigation."      Additionally, under the portal’s “Desired Settlement,” you noted:   "Provide permissible purpose of credit pull, if you find the inquire referenced to be valid would like description of the procedures used in your investigation and proof of authorizations. Remove from all credit reporting agencies".   Factual Data provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) to its clients, which are primarily banks, mortgage companies, and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. Factual Data does not maintain a database of credit information.   In response to your request, we have attempted to contact you to explain our dispute procedure and inform you of who inquired into your credit. We have been unsuccessful in reaching you. The inquiries appearing on your credit report dated 2/29/2016 and 3/25/2016 were made by:   [redacted] [redacted]             [redacted] [redacted]
[redacted]     [redacted]
[redacted]                 [redacted]
[redacted]     [redacted]  If the inquiries are inaccurate, you may dispute it with the companies noted above, the three Nationwide Consumer Reporting Agencies (NCRAs) listed below or Factual Data. [redacted]  I hope this response satisfies your inquiry.    Sincerely, Laura H[redacted] Consumer Assistance Manager Tell us why here...

January 26, 2017   VIA Revdex.com COMPLAINT     Re:          Revdex.com Complaint                                  Case Number: [redacted]   Dear [redacted] [redacted]:   Thank you for contacting Factual Data through the Revdex.com’s consumer portal. Your complaint, which was received by Factual Data on January 6, 2017, stated the following under the portal’s “Consumer Statement of the Problem” section:   I checked my personal credit report, which I acquired from your organization on 3/2/16 and I noticed an unauthorized inquiry had been made. I request that you instate an investigation into FACTUAL DATA inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter, [redacted].   Additionally, under the portal’s “desired settlement,” you noted:   Remove inquiry from credit report on all credit reporting bureaus.        Factual Data provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) to its clients, which are primarily banks, mortgage companies, other lending institutions and landlords that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. Factual Data does not maintain a database of credit information.   In response to your request, Factual Data contacted our end-user client, [redacted] regarding the inquiry requesting permissible purpose documentation.  Our client provided the authorization that was associated with this inquiry.  As this document illustrates permissible purpose, the inquiry will remain on your report.  A copy of this document is attached to this response.   I hope this response satisfies your inquiry.    Sincerely, Laura H[redacted] Consumer Assistance Manager

January 13, 2017   VIA Revdex.com COMPLAINT     Re:          Revdex.com Complaint       ...

                          Case Number: [redacted]   Dear [redacted]:   Thank you for contacting Factual Data through the Revdex.com’s consumer portal. Your complaint, which was received by Factual Data on January 6, 2017, stated the following under the portal’s “Consumer Statement of the Problem” section:   I checked my personal credit report, which I acquired from your organization on 3/2/16 and I noticed an unauthorized inquiry had been made. I request that you instate an investigation into FACTUAL DATA inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter, [redacted].   Additionally, under the portal’s “desired settlement,” you noted:   Remove inquiry from credit report on all credit reporting bureaus.        Factual Data provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) to its clients, which are primarily banks, mortgage companies, other lending institutions and landlords that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. Factual Data does not maintain a database of credit information.   In response to your request, we reached out to you by email letting you know that the inquiry appearing on your credit report dated March 2, 2016 was made by:   [redacted]
   [redacted]
  We received an email response from you stating that you didn't authorize this inquiry. We have initiated the dispute process for this inquiry. We will respond to you via mail once our investigation has been completed.    I hope this response satisfies your inquiry.    Sincerely, Laura H[redacted] Consumer Assistance Manager

[redacted]
 
[redacted]
    Dear [redacted]:   We received your response to your Revdex.com (Revdex.com) complaint ID [redacted], on 03/13/2018. As a result of our initial dispute investigation response from the client, [redacted] and your current Revdex.com response, we have submitted a dispute to the National Credit Reporting Agencies (NCRA’s) requesting that they remove the inquiry. The NCRAs make the decision if an inquiry is removed or not.  Results of the NCRA response will be mailed to you once they are received by Factual Data.    Factual Data provides credit information from one or more of the three NCRAs Experian®, Equifax® and TransUnion®, to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act (FCRA) to obtain credit information for lending purposes. Factual Data does not maintain a database of consumer information.     Equifax Credit Information Services   Experian Information Services   TransUnion Consumer Relations       P. O. Box 740241 P. O. Box 2002 P.O. Box 1000 Atlanta, GA 30374-0123 Allen, TX 75013-0036 Chester, PA 19016 1-800-203-7843 1-855-246-9409 1-800-916-8800 www.equifax.com www.experian.com www.transunion.com   Sincerely, Consumer Assistance

03/14/2017   [redacted]   Dear [redacted]:   Thank you for contacting Factual Data. We received your Revdex.com (Revdex.com) complaint, complaint ID [redacted], on 03/13/2017. In response, we contacted you by phone on...

03/13/2017 to discuss your concerns regarding the inquiry appearing on your credit report.    During our call, we informed you that [redacted] – [redacted] accessed your credit report on 01/03/2017 and you stated that you were working with them and that you would contact them directly for more information.   Factual Data provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) [redacted] and [redacted], to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act (FCRA) to obtain credit information for lending purposes. Factual Data does not maintain a database of consumer information.   Sincerely,   Consumer Assistance

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me.
Regards,
[redacted]

June 28, 2016
VIA Revdex.com COMPLAINT PORTAL
[redacted]
Re: Revdex.com Complaint
ID Number: [redacted]
Dear Mr. [redacted]:
On behalf of Factual Data, I write in response to your complaint filed on the Revdex.com’s website, which was received by Factual Data on June 20, 2016. ...

Specifically, you stated the following under the website’s “customer’s statement of the problem” section:
After my bank pulling my credit report from Factual Data, found that some items that I know had be fixed from the credit reporting agency ([redacted]) had not been fixed on Factual Data report which caused a lower credit than what should have been.
And, under the website’s “desired settlement,” you noted:
If this company is going to provide these kinds of services that they should at least keep information up to date.
By way of background, Factual Data is a reseller of consumer reports and does not maintain a database of consumer information. Rather, we act as a conduit of the information passed between the three Nationwide Consumer Reporting Agencies (NCRAs) – [redacted] and [redacted] – and our ultimate end-user client. Because Factual Data does not have direct access to your credit file (which is maintained by the NCRAs) and does not maintain its own database of information, to the extent a consumer requests certain changes to his/her credit report, Factual Data must pass along the requested change to the relevant NCRA, which determines whether a change to your credit report should be made.
In response to your request, Factual Data reached out to you to verify additional information to proceed with the dispute. During this conversation you stated that you have re-accessed [redacted] report and the [redacted] accounts have been updated. Per the conversation we noted that that update was made after the Factual Data Report that was accessed by [redacted]. At that time you stated that you didn’t want to proceed with a dispute through Factual Data.
I hope this response satisfies your inquiry, should you have any further questions at a letter date.
Sincerely,

Laura H[redacted]
Consumer Assistance Manag

October 13, 2016   VIA Revdex.com COMPLAINT     Re:          Revdex.com Complaint       ...

                          ID Number: [redacted]   Dear [redacted]:   Thank you for contacting Factual Data through the Revdex.com’s consumer portal. Your complaint, which was received by Factual Data on October 3, 2016, stated the following under the portal’s “Consumer’s Statement of the Problem” section:   I received a notice about this company pulling my credit report, in turn creating a hard inquiry which dropped my credit score significantly. I did not authorize this to happen. I know nothing about this company and why they have pulled my credit report. I have no clue who or what this company is.   Additionally, under the portal’s “Desired Settlement,” you noted:   I would like to have the hard inquiry that has been created on my credit reports taken off.   Factual Data provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) to its clients, which are primarily banks, mortgage companies, other lending institutions and landlords that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. Factual Data does not maintain a database of credit information.   In response to your request, as we were unable to reach you by telephone, we have attached additional information that explains who Factual Data is and the client that accessed your credit.   I hope this response satisfies your inquiry.    Sincerely, Laura H[redacted] Consumer Assistance Manager

1/25/2018   [redacted]
[redacted]
[redacted]
  Dear [redacted]:   Thank you for contacting Factual Data. We received your Revdex.com (Revdex.com) complaint, complaint ID [redacted], on 01/16/2018. In response, we attempted to contact you by...

phone on 01/22/2018, 01/23/2018 and 01/25/2018, but were unable to reach you.   In regards to your request concerning the inquiry appearing on your credit report. The inquiry was made by:   [redacted]
   [redacted]
   [redacted]
   [redacted]
[redacted]
  If the inquiry or any account information is inaccurate, please contact us using the information below to dispute.   Factual Data provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) Experian®, Equifax® and TransUnion®, to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act (FCRA) to obtain credit information for lending purposes. Factual Data does not maintain a database of consumer information.   Sincerely,   Consumer Assistance   Tell us why here...

Thank you for the additional information Mr. [redacted].  We will be sure to include this information with your dispute.   Once we receive the response back from the NCRAs we will forward them to you directly.Respectfully,Shawn E[redacted]Sr. Compliance Officer Factual Data

April 15, 2015 Revdex.com 8020 S. County Road 5 #100 Fort Collins, CO 80528 Re: Case No.: [redacted] – [redacted] To Whom It May Concern: In reference to the complaint identified by the abovementioned case number (the “Revdex.com Complaint”), Factual Data provides the following response: By...

way of background, Factual Data is a reseller of consumer reports and subject to the Fair [redacted] Reporting Act, 15 U.S.C. §1681 et seq. The information included in each consumer report provided by Factual Data is obtained from one or more of the following sources: [redacted], [redacted], [redacted], as well as certain other information vendors. The Revdex.com Complaint indicated that Factual Data pulled a [redacted] report on May 22, 2014 without Ms. [redacted] authorization. In response to this complaint, Factual Data contacted its client – [redacted] (who accessed the report through our system) – to obtain a copy of Ms. [redacted] written authorizations. [redacted] provided a copy of the authorization which contained Ms. [redacted] signature authorizing the inquiry. Factual Data will mail to Ms. [redacted] a copy of the written authorization provided by [redacted]. In light of the authorization documentation, the inquiry of May 22, 2014 will remain on Ms. [redacted] file. Sincerely, [redacted] Senior Compliance Officer