Experian

Dear Revdex.com:Our office recently received your correspondence of July 19, 2017, regarding the above mentioned Consumer's personal Credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the Consumer the resultS.In addition to the Consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record Source, such as a Court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the Consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the CreditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its Commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions

August 17, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] Dear Revdex.com.Our office recently received your correspondence of August 8, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher of the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher Ofthe information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***

[redacted] Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have ary questions.Sincerely, [redacted] **Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

February 20, 2015Revdex.comServing San Diego and Imperial Counties [redacted] ***RE: M [redacted] ***REF #: [redacted] Complaint# [redacted] Dear Revdex.com:Our office recently received your correspondence of February 9, regarding the above mentionedconsumer's complaint.Our records indicate that the referenced information does not appear on the consumer's currentExperian credit reportWe have mailed a current Experian credit report directly to the consumer forreview.Unfortunately, we are unable to honor the request to place credit information into the consumer'spersonal credit reportWe do not add data to our database from private parties since we would beunable to verify or maintain the dataWe receive credit information from credit grantors whosubscribe to our services and public record information from vendors who collect it from the courts orother government officesSome creditors may choose to report their data to the other consumer creditreporting agencies, and they may not report it to us.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Dear Revdex.com:Thank you for your recent correspondence dated August 14, 2017, regarding the above mentioned consumerOur records indicate that we previously conducted an investigation regarding the disputed information and have provided the results of our investigation directly to the consumer.Each national consumer Credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing informationTherefore, we cannot update or delete information in our database based on the results of a dispute with another consumer Credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information may need to be directed to the data furnisher reporting this informationIf you have any additional supporting documentation regarding the disputed information, please forward that to my attention for review.According to the Fair CreditReporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to help resolve the Consumer's dispute, Experian will review all relevant documents submitted by the Consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact data furnisher directly to dispute items reported by the data furnisherIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

December 21, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com:Our office recently received your correspondence of December 11, regarding the above mentioned consumer's personal credit report.Our records indicate that we have contacted the data furnishers to verify the accuracy of the information with which the above mentioned consumer disagreesThe disputed information was verified as accurately reported and confirmation was mailed to the consumer for review.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorAfter we complete our processing, we send the consumer the results.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information may need to be directed to the creditors reporting this informationPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute.In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the creditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

September 14, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of September 2, regarding the abovementioned consumer's personal credit reportWe are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MaiL We ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the itern asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***

September 14, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] ***REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of September 2, regarding the abovementioned consumer's personal credit reportOur records indicate that we have not previously received this complaint from the Better BusinessBureau.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MaiL We ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12525728, and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Complaint Type:Contract IssuesselectProblem:Experian permanently blocked [redacted] on 1/24/due to a complaint that I filed against them on The Credit financial protection Bureau, which resulted in their response to permanently delete and block [redacted] ConsumerI was notified in writing that the account was permanently blocked and deleted from my credit report due to it being a fraudulent account due to ID theft I have the paperwork from the complaint and Experian showing the account was deletedas of 2/12/Experian reinserted [redacted] on my credit report I do not legally have a contract with [redacted] ***, they have transferred this fraudulent account to [redacted] asset management, but Experian is reporting that I owe [redacted] $25,By law Experian has to notify me within business days in writing that the account has been reinserted and how is the company still reporting that I owe on a fraudulent debt that was sold and transfferedI have not received a notice regarding this fraudulent account being reinserted onto my credit reportI also sent by certified mail my police report and FTC ID theft form and the 605B letter regarding any fraudulent accounts should be blocked within days of receiving the letter to Experian, after their investigation, they confirmed the account was fraudulent and blocked the account permanently Experian has violated the FCRA law which is a civil action for violationI emailed the CEO of Experian [redacted] and spoke with his representative [redacted] regarding this issue without resolutionI have filed complaints with the Attorneys general officeI know Experian has been involved in many class action lawsuits due to inaccurate credit reporting.TranslateDesired Resolution / OutcomeDesired Resolution:Other (requires explanation)selectDesired Outcome:to provide proof that this accounts belongs to me or permanently blocked and delete the account Regards, [redacted] Complaint Type:Contract IssuesselectProblem:Experian permanently blocked [redacted] on 1/24/due to a complaint that I filed against them on The Credit financial protection Bureau, which resulted in their response to permanently delete and block [redacted] ConsumerI was notified in writing that the account was permanently blocked and deleted from my credit report due to it being a fraudulent account due to ID theft I have the paperwork from the complaint and Experian showing the account was deletedas of 2/12/Experian reinserted [redacted] on my credit report I do not legally have a contract with [redacted] ***, they have transferred this fraudulent account to [redacted] asset management, but Experian is reporting that I owe [redacted] $25,By law Experian has to notify me within business days in writing that the account has been reinserted and how is the company still reporting that I owe on a fraudulent debt that was sold and transfferedI have not received a notice regarding this fraudulent account being reinserted onto my credit reportI also sent by certified mail my police report and FTC ID theft form and the 605B letter regarding any fraudulent accounts should be blocked within days of receiving the letter to Experian, after their investigation, they confirmed the account was fraudulent and blocked the account permanently Experian has violated the FCRA law which is a civil action for violationI emailed the CEO of Experian [redacted] and spoke with his representative [redacted] regarding this issue without resolutionI have filed complaints with the Attorneys general officeI know Experian has been involved in many class action lawsuits due to inaccurate credit reporting.TranslateDesired Resolution / OutcomeDesired Resolution:Other (requires explanation)selectDesired Outcome:to provide proof that this accounts belongs to me or permanently blocked and delete the account

March 31, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of March 23, regarding the above mentioned consumer's personal credit report.We are currently investigating the [redacted] account # [redacted] xxxx with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.Our records indicate that the additional disputed information does not appear on the consumer's current Experian credit report.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information of the vendor that collected the information from a public record source such as a court or other government officeWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher of the vendorAfter we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute.In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the creditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

December 5, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com.Our office recently received your correspondence of November 28, regarding the above mentioned Consumer's rebuttal of our response to her Complaint.Our records indicate that the disputed US Collections West account does not appear on the consumer's current Experian credit reportWe have mailed an Experian credit report directly to the Consumer for review.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***

RE: [redacted] Complaint ID # [redacted] REF [redacted] Dear Revdex.com.Our office recently received your correspondence of October 4, regarding the above mentioned consumer's personal credit report.An Initial Security Alert has been added to the consumer's Credit reportThis message, which will expire after days, alerts Credit grantors to verify the Consumer's identification in case someone is using their information without their Consent.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.If there is additional information appearing on a Credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy” or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item account name and number.Please provide the consumer's specific disputes along with their Complete identification information (Social Security number, full name, Current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.If you believe you are a victim of fraud, you may want to contact your local law enforcement agency to make an identity theft reportThe identity theft report should include as many of the following elements as possible: specific dates such as when the loss or theft of personal information occurred or when the fraud(s) occurred, how you discovered or learned of the theft, any known information about the perpetrator, the names of creditors and account numbers involved in the theft, name and/or badge number of the law enforcement personnel who processed the report, the filing date and case numberYou may find the following suggestions helpful:Protect Yourself First, make sure an Initial Security Alert or Extended Fraud Victim Alert is on file with all nationwide Consumer Credit reporting agenciesIf you request an alert with us, we will share your request with the other nationwide Consumer Credit reporting agencies, Equifax and TransUnion.inform the Sources Contact each source of information, including Creditors and public record offices, and inform them that the acCount is fraudulent.Document all Contacts Make notes of everyone you spoke with, ask for names, department names, phone extensions, record the date you spoke to them.Understand the Process Each creditor may have a different process for handling a fraud claimMake Sure you understand exactly what is expected from you, and then ask what you can expect from the CreditorAt the conclusion of a dispute, ask the creditor for a document that states you are not responsible for the debt.Follow Up Make sure everything the creditor or Credit reporting agency has requested is receivedIt is always a good idea to place a follow up call or send a letter for confirmation.Review Reports Regularly We suggest that you routinely request new copies of your personal credit report to review.Don't Throw Away Files Keep all notes and correspondence in an accessible file in case they are needed in the future.Experian strives to achieve a high level of customer service for all the Consumers they assistLet me assure you that Experian takes its Commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

October 30, Revdex.com Serving San Diego and Imperial Counties Viewridge Ave., # San Diego, CA RE: [redacted] Your Complaint ID: [redacted] To Whom It May Concern: Our office recently received your correspondence regarding Mr [redacted] 's request for his credit report and disputes In order to process Mr [redacted] 's request, we will need all of his identification informationPursuant to the federal Fair Credit Reporting Act, Section 610, a consumer reporting agency shall require the consumer to furnish proper identificationThe proper identification to access an Experian credit profile includes full name (including generation), social security number, date of birth and complete addresses for the past years Mr [redacted] should mail us one copy of their government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one copy of her utility bill, bank or insurance statement, etcthey should make sure that each copy is legible (enlarge if necessary), displays his name and current mailing address, and the date of issue (statement dates must be recent)We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof Mr [redacted] should forward the requested information to my specific attention at Experian, [redacted] TX 75013-Upon receipt of the requested information, I will begin an investigation into his concerns Thank you for allowing me to assist you in this matter Sincerely, [redacted] Senior Regulatory Affairs Associate

Dear Revdex.com:Complaint ID # [redacted] Our office recently received your correspondence of October 3, regardirg the above-mentioned consurner's rebuttal of our response to their complaint.In the complaint, the consumer states "l have included documentation from [redacted] ***"I was not able to locate this documentation.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.Thank you for allowing me to assist youPlease contact me directly If you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

October 5, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] REFif [redacted] Dear Revdex.com.Our office recently received your correspondence of September 27, regarding the above mentioned consumer's personal credit report.An Initial Security Alert has been added to the consumer's Credit reportThis message, which will expire after days, alerts Credit grantors to verify the Consumer's identification in case someone is using their information without their Consent.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.If you believe you are a victim of fraud, you may want to contact your local law enforcement agency to make an identity theft reportThe identity theft report should include as many of the following elements as possible: specific dates such as when the loss or theft of personal information occurred or when the fraud(s) occurred, how you discovered or learned of the theft, any known information about the perpetrator, the names of creditors and account numbers involved in the theft, name and/or badge number of the law enforcement personnel who processed the report, the filing date and case numberYou may find the following suggestions helpful:Protect Yourself First, make sure an Initial Security Alert or Extended Fraud Victim Alert is on file with all nationwide Consumer Credit reporting agenciesIf you request an alert with us, we will share your request with the other nationwide Consumer Credit reporting agencies, Equifax and TransUnion.inform the Sources Contact each source of information, including Creditors and public record offices, and inform them that the acCount is fraudulent.Document all Contacts Make notes of everyone you spoke with, ask for names, department names, phone extensions, record the date you spoke to them.Understand the Process Each creditor may have a different process for handling a fraud claimMake Sure you understand exactly what is expected from you, and then ask What you can expect from the CreditorAt the conclusion of a dispute, ask the creditor for a document that states you are not responsible for the debt.Follow Up Make sure everything the creditor or credit reporting agency has requested is receivedIt is always a good idea to place a follow up call or send a letter for Confirmation.Review Reports Regularly We suggest that you routinely request new copies of your personal credit report to review.Don't Throw Away Files Keep all notes and correspondence in an accessible file in case they are needed in the future.Experian strives to achieve a high level of Customer service for all the Consumers they assistLet me assure you that Experian takes its Commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease Contact me directly if you have any duestions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services 4159CC [redacted]

July 2, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of June 25, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Dear Revdex.com:Our office recently received your correspondence of August 25, regarding the above mentioned Consumer's rebuttal of our response to her complaint.We have mailed a current credit report directly to the consumer for reviewIf the consumer has additional information regarding disputed information, please provide itPlease specify the item or account name and number along with the consumer's specific disputes and the additional informationPlease provide their complete identification information (Social Security number, full name, Current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).Thank you for allowing me to assist youPlease contact me directly if you have any questions[redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

RE [redacted] Complaint ID# [redacted] REF# [redacted] Dear Revdex.com:Our office recently received your correspondence of September 30, regarding the above mentioned consumer's personal credit report.An Extended Security Alert has been added to the consumer's credit reportThis message, which will expire after years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.Bankruptcies typically do not result from fraudulent activities, therefore, we are requesting additional information that you must provide in order for us to act on your requestPlease provide us additional information that supports your claim and we will then determine whether to block the item(s) you requestedTo protect your personal identification information, Experian does not return correspondence sent to usSend copies of any documents you wish to provide to us and always retain your original documentsYou may also submit your sequest of documents supporting your claim electronically at experian.com/upload.In the meantime, we have asked our public record vendor to verify the accuracy of the tax lien informationWhen this process is completed, which may take up to days, we will send you the resultsIf you do not provide Experian with the required information specified above, you will not have submitted a valid request to block the tax lien information in your personal credit report due to identity theft and the information Will not be blocked.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

Revdex.com: I thank you for your assistance and have reviewed the response made by the business in reference to complaint ID [redacted] The Proposed action almost resolves my complaint in whole I do appreciate the clearing up of these issues by Experian and getting me back to operating level both personal and for business For your reference, details of the offer I reviewed appear below [I can't say this isn't a satisfied result because I would like to make sure all matters concerning issues that were in settlement contract were resolved I just wish it didn't take years to do and I have a more full report to have things hard checks reversed This is because I would get a confirmation in the past that something was deleted for it to reappear via another credit reporting agency [redacted] was not able to be reached for this situation oddly, but I would like to know if there's a way that they can also do this update on repairing my credit history]Note: [redacted] keeps popping up, but they were paid off a while ago and keep coming back plus it was from Isn't [redacted] out of it's statute of reporting? Regards, [redacted]

Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Los Angeles Revdex.com:Our office recently received your correspondence of August 12, regarding the above mentionedconsumer's rebuttal of our response to his complaint.Our records indicate that we previously initiated investigations of the [redacted] # [redacted] account, on 06/02/and again on 07/16/2015.In each instance, the creditor verified the accuracy of the informationResults of each investigationwere provided directly to the consumer for reviewBecause the creditors confirmed the accuracy ofthe disputed information, we must respectfully decline his request to remove the accounts from theExperian credit report.When a consumer disputes the accuracy or completeness of information on their personal creditreport and tell us specifically why they believe the information is inaccurate or incomplete, we processthe dispute as required by lawWe contact the furnisher of the information or the vendor thatcollected the information from a public record source such as a court or other government officeWeask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of theinformation regarding the item the consumer disputed, and report back within days of the date thatwe received the request We review and consider the response to determine whether to accept it,reject it, or follow up for additional informationIf we do not receive a response from the furnisher orthe vendor within the required period, we update the item as requested or delete the information, andsend the consumer the resultsIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIn someinstances, upon reviewing the credit file and any relevant information the consumer has submitted tous, we are able to determine whether the disputed information should be changed or deleted withouthaving to contact the furnisher or the vendorAfter we complete our processing, we send theconsumer the results.If the consumer disagrees with the results of the reinvestigations, it is their legal right, under theFCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appearwith the item as long as the item remains on the credit reportAny further concerns regarding thedisputed information will need to be directed to the source of the informationThe consumer mayrefer to her original personal credit report for the furnisher address, and phone number (if available).According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's rolein the dispute process is to review the accuracy and completeness of any disputed item which mayinclude contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's disputeIf the issue is not resolved, then the consumer creditreporting agency must offer to include a consumer statement on the personal credit report.The FCRA does not require that the consumer credit reporting company obtain documentation suchas the actual signed sales slips, signature cards, contracts, etc.; nor does it require that consumercredit reporting agencies act as mediators or negotiators in account disputes.If the consumer has any additional supporting documentation regarding the disputed information, hemay forward it directly to me for reviewIn some cases, depending upon the nature of the additionalinformation provided by the consumer, we can re-investigate the disputed accountsThank you for allowing me to assist youPlease contact me directly at [redacted] if you have anyquestions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***