Experian

Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123 RE *** *** Complaint ID # *** REF# *** Dear Revdex.com: Our office recently received your correspondence of September 29, regarding the above mentioned consumer’s rebuttal of our response to his complaint. My review of the public record documents on file at the US Bankruptcy Court in *** ** indicate that the item is accurate as it appears on the Experian credit report: a Chapter Bankruptcy filed by the consumer on 11/25/and discharged on 03/11/ Additionally, the documents confirm the consumer’s full name, last digits of his Social Security number and address at the time of filingAlthough the address is a former address, it has been reported to us by numerous creditors on his credit report and has never been disputed by the consumerDischarged Chapter Bankruptcies remains on the credit report for a period of ten years from the filing date Because the information was confirmed accurate, we must respectfully decline the consumer’s request to remove the disputed information from the Experian credit report. When a consumer disputes the accuracy or completeness of information on their personal credit report and tell 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. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the item the consumer disputed, and report back within days of the date that we 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 or the vendor within the required period, we update the item as requested or delete the information, and send the consumer the results If, 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 processingIn some instances, upon reviewing the credit file and any relevant information the consumer has 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 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. Revdex.comServing San Diego, Orange and Imperial CountiesOctober 7, 2015Page 2 If the consumer disagrees with the results of the reinvestigations, it is their legal right, under the FCRA, to add a 100-word statement specifying the nature of his disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information will need to be directed to the source of the information, the US Bankruptcy Court in *** ** If the consumer has any additional supporting documentation regarding the disputed information, they may forward it directly to me for review Thank you for allowing me to assist youPlease contact me directly if you have any questions. Sincerely, *** ***Senior Regulatory Affairs AssociateConsumer Affairs Special Services*** *** ***

We *** and *** *** give permission for complaint against experian

Yes, there is a third party working on my credit. There name is *** *** *** out of ***. Thank you,*** ***

Dear Revdex.com:Our office recently received your correspondence dated August 14, 2017, regarding the above mentioned consumer's personal Credit reportA personal Credit report, by law, must list all parties that have requested a consumer's Credit historyAccording to the Fair
CreditReporting Act, Credit grantors with a permissible purpose may inquire about Credit informationRequests for your client's Credit history remain on the personal Credit report for yearsThe federal Fair CreditReporting Act (the "FCRA) section outlines permissible purposes of consumer reports.The inquiries shown on a credit report are a factual record of irts Companies who have accessed and reviewed a Consumer's profileThey are only logged on the report, when in fact, an inquiry was madeA record of this activity, pursuant to federal law, must remain a part of recordPlease note that Experian does not receive a copy of any applications made to Credit grantorsThe Consumer may wish to contact the creditor directly for that informationTherefore, we must respectfully deny the Consumer's request to remove the inquiriesIf I may be of further assistance you, please feel free to contact me direr'sSincerely,*** ***) Senior Regulatory Affairs Associate

I authorize the third party to file this complaint on my behalfThe name of the company is *** *** *** *** *** ***

August 27, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** ***REF #: ***Complaint ID ***Dear Revdex.com:Our office recently received your correspondence of August 19, regarding the above mentionedconsumer's rebuttal of our response to his complaintAccording to the Fair Credit Reporting Act (FCRA), Section (d) ( ), if a bankruptcy is withdrawnbefore a final judgment "the consumer reporting agency shall include in the report that such case waswithdrawn".The bankruptcy dismissed/withdrawn status will remain on your report for seven years from the filingdate.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateConsumer Affairs Special Services*** *** ***

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # REF#: ***Dear Revdex.com:Our office recently received your correspondence of March 20, regarding the abovementioned 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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC* *** ***

October 30,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
RE *** ***
REF# ***
Complaint ID # ***
Dear Revdex.com:
Our office recently received your correspondence of October 27,
regarding the above mentioned
consumer's personal credit report
According to our records, the ** *** account #*** appears as stated on the
consumer's current Experian credit report, as having been paid with no balance owedA copy of the
current Experian credit report is being mailed directly to the consumer for review
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,
*** ***
Senior Regulatory Affairs Associate

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Dear Revdex.com:Complaint ID # ***Our office recendy received your correspondence of September , 2017, regarding the above-mentioned consumer's personal credit report.We are currently investigating the disputed bankruptcy information with Which the consumer disagreesUpon
completion of this process, we will provide the results of our investigation directly to the consumer.Judgments, Tax Liens ard Bankru*cies are a rnatter of public recordAlthough the court where the disputed public records are filed rnay not report this type of &ta, 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 inforrrztion and they are not the source of this public record informationExperian's method of verification for pudic records complies with the requirements of the Fair Credit Reporting Act (FCRA).When a consumer disputes tre accuracy or com*teness of information on fie personal credit report and tells us specifically why they believe the information is inaccurate or irmrrplete, we process the dispute as required b/ lawWe contact the furnist•er of the inforrnation or the verdor that collected the information from a public record source such as a court or otter govemrnent office either electronically or by US Mail We ask the fumisher or the verdorto conduct a thorough and complete investigation to verify all of information 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 processirg, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as agpropriate, based upon the dispute ard tte results of our processingIf we do notreceive a response from the furnisher or the verdor within the required period, we update the item as requested or delete the information, In some instances, upon reviewirg the credit file and any relevantinformation submited to us, we are able to &termine whether the disputed information should be changed or deleted without to contact the fumisher or the verdorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results.In addition to the consurners right to dispute information in the credit file with the credit reporting agencies, the consurær also has the right to dispute information in the credit report directly with the furnisher of the inforrnation.If the consumer questions the results of the dispute process, then trey may want to contact the fumisher of the information directly or review tre original information in tie public recordPlease refer to the original personal credit report for the fumisher 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 cornrnitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.*** ***
Senior Regulatory Affairs Associate Experian Consumer Affairs*** *** ***

This is *** *** and I gave them permission to file the complaint on my behalf on experian credit bureau

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
They've had ample time
Regards,
*** ***

Our office recently received your correspondence of October 16, 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 inforrnation is inaccurate or incomplete, we process the dispute as required by lawWe the furnisher of the information or the vendor that collectedthe information 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 complete to verify all of the inforrnation regarding the disputed item, and report back within thetime 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 modifythat inforrnation, as appropriate, based upon the dispute and the results of our processingIf we donot receive a response from the furnisher or the vendor within the required period, we update the itemas 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 informationshould 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 theconsumer the results.In addition to the consurner's right to dispute inforrnation in the credit file with the credit reporting agencies, the also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consurner 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 recordPleaserefer to the original personal credit report for the fumisher 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 fumisher 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 consurner's dispute, Experian will review all relevant documents submited by the consunw with the dispute and will forward such documents to the fumisher ifExperian is unable to resolve tre issue based on those documentsConsurners may also contact creditors directly to dispute iterns reported by the creditorIf the issue is not resolved, then the consumer credit agency must offer to include a corsumer staternent on the personal credit reportExperian strives to achieve a high level of customer service for all the consuners they assistLet me assure you that Experian takes its commitrnent to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questionsSincerely,
*** ***Senior Regulatory Affairs Associate Experian Consurner Affairs*** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I already tried to dispute this onlineThey refuse to do it onlineThey want me to call themI workI do not have time to sit on the phone and wait for them to answer, or argue with them about if I am the correct person and try and identify myselfExperien is known for this, they do not absolutely do not want to work with you to try and get inaccuracies off your creditThey have an online site for a reason and when they refuse to allow you to use that to do what you need to do it just shows me that they do not, absolutely do not, want to work with you at allThey have two Social Security numbers for meI would be committing a criminal offence if I had two Social Security numbersI do not, and there are other accuracies that I am NOT allowed to dispute online, also I find them inept and unwilling to work with the customer whi is forced to deal with them
***
*** ***

June 29, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear RevDex.com:Our office recently received your correspondence of June 19, 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,*** ***Senior Regulatory Affairs Associate

Roman">Hello
Yes there is a third party, *** *** ***, working on your credit.Thank you, ***

April 14, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # ***REF# ***Dear Revdex.com.Our office recently received your correspondence of April 6, 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 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 Consumes 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).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,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

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, *** *** *** *** ***
*** *** ***
*** *** ***

May 27, 2015Revdex.comServing San Diego and Imperial
CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of May 18, 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,*** ***Senior Regulatory Affairs Associate

Dear Revdex.com.Our office recently received your correspondence dated April 12, 2016, regarding the above mentioned consumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we will provide the results of our
investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification systemWe ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within days of the date that we received the consumer's requestOnce we receive their response, we send the consumer the results of the investigationIf we do not receive a response within days we update the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's disputeIf the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit reportThe FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputesPlease forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directly.*** *** Senior Regulatory Affairs AssociateConsumer Affairs Special Services *** *** ***Sincerely,