Experian

:::::: ExperianFebruary 29, 2016Revdex.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 February 18,
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.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 *** *** ***

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

December 19, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123*** *** *** *** *** ** *** ***Dear Revdex.com.Our office recently received your Correspondence of December 9, regarding the above mentioned consumer's rebuttal of our response to his complaint.Our records indicate that we have contacted the data furnishers to verify the accuracy of the information with which the above mentioned Consumer disagrees on July 16, 2016, May 18, 2016, March 3, and March 25, The disputed information was verified as accurately reported and Confirmation was mailed to the Consumer for review on each OCCasion.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 Experian.Any account included in a bankruptcy remains on the personal Credit report for a maximum of seven years from the date the bankruptcy was either filedThe bankruptcy itself, listed in the public record information section of the credit report, remains for years from the filing date if it was a Chapter 7, or 12.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.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.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,*** *** *** *** *** *** *** *** *** *** ***

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
***
*** ***

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

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

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

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*** *** ***

Dear Revdex.com:Our office recently received your correspondence of July 5, 2017, regarding the above mentioned consumer's personal Credit report.Our records indicate that the disputed *** *** account does not appear on the consumer's current Experian credit report
We have mailed a current Experian Credit report directly to the Consumer for review.We are currently investigating the Acceptance Now account 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.Sincerely, *** ***Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

Dear Revdex.com:Our office recently received your correspondence of 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 and Bankruptcies are a matter of public recordAlthough the court where thedisputed 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 Credit Reporting Act (FCRA).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.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. Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateExperian Consumer 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
Being that Experian, furnishes the information I feel they have a responsibility to ensure the furnisher of the data is reposting accurately within the prescribed timelines.The issue I have with *** *** is that they bought my loan in a charged off status in 2012, but the loan in question was reported in a charged off status prior to *** *** purchasing the loan(Proof Attached) I am merely requesting that Experian follow the law being that *** *** is "to big to fail" and as a big bank they have proved time and time again they do not follow the law According to the FRCA a negative entry can remain on credit reports up to years from the Date of First Delinquency from the ORIGINAL creditor *** *** was not the original creditor and therefore reporting incorrect information If *** *** reports the information it should include the delinquent information from the original creditor***.By *** *** not complying with the law, they have thus re-aged my account and in violation of the law has extended the year reporting requirement.Any assistance you could provide would be appreciated.Thank you,
*** ***

*** *** ***
*** * *** *** *** ***
*** ** ***
Has my permission as 3rd party

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*** *** ***

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

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 had sent them by UPS two times my identification documents (driving license, SS card, proof of address).They keep sending me letters at home requesting again and again the identification proofIn the same time, from their system, linked to Discover card, the information is still linked to my sister's in lawEvery single time that I am asked a security question by the Discover card, every single time the questions are related to my sister in law, and every single time I tell the person from Discover that the information is not related to me, and every single time their answer is that this is what they see in the Experian system related to my SSN.I shall start a legal complaint against Experian, as this is not possible, you can not understand how frustrating this is.I attach again what Experian is asking me from the security point of view and ALL THOSE QUESTIONS AND OPTIONS OF ANSWERS BELONG TO OTHER PERSON, NOT TO MYSELF
Regards,
*** ***

RE: *** ** *** Complaint ID # *** REF#: ***Dear Revdex.com:Our office recently received your correspondence of May 15, 2017, regarding the above mentioned consumer's Experian credit report.If a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal
Credit report because every action that relates to credit may become part of the Credit historySo even though the court did not allow the filing of the bankruptcy or the bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal Credit report.According to the Fair CreditReporting Act (FCRA), Section 605(d) (1), if a bankruptcy is withdrawn before a final judgment "the consumer reporting agency shall include in the report that such case was WithCraWn”.The bankruptcy dismissed withdrawn status will remain on the consumer's Experian Credit report for seven years from the filing date.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 Experian Consumer Affairs 21472***

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

May 20, 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 12, regarding the above mentionedconsumer's personal credit report.Our records indicate that we have previously contacted *** *** *** to verify the accuracyof the information with which the consumer disagreesThe disputed information was verified asaccurately reported and confirmation was mailed to the consumer for review.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, underthe FCRA, to add a 100-word statement specifying the nature of their disputeThe statement willappear with the item as long as the item remains on the credit reportAny further concerns regardingthe disputed information may need to be directed to the creditors reporting this informationPleaserefer to the original personal credit report for the furnisher or public records office name, address, andphone number (if available)If the consumer has any additional supporting documentation regardingthe disputed information, they may forward that to us for review.Additionally, our records indicate that the additional disputed information does not appear on theconsumer's current Experian credit report.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,*** ***Senior Regulatory Affairs Associate

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

Our office recently received your correspondence of September , 2017, regarding the above-mentioned consumer's personal credit report.If there is inforrnation 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 or 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 governrnent issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.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 rye to assist youPlease contact our office if you have any questions
*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs
*** *** ***