Experian

April 24, 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 April 14, 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

March 24, 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 March 16, 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 *** *** ***

Dear Revdex.com:Our office recently received your correspondence of September , 2017, regarding the above-mentioned consumer's Experian credit reportWe are currently investigating the bankruptcy information with which fre consumer disagreesUpon completion of this process, we will
provi& tre results of our investigation directly to the consumer.Judgments, Tax Liens and Bankruptcies are a of public recordAlthough the court where the disputed public 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 ard 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).men 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 as a court or other government office eitherelectronically or US Mail We 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 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 is inaccurate, incomplete or canmt 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 required period, we update the item as requested or delete the information, In sorne instances, upon reviewing the credit file and any relevant information 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 as long 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 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 trey 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 tt•e 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 youfor allowing me to assist youPlease contact me directly if you have any questions.*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs

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,
*** ***

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
Hello, there is a Chapter Bankruptcy item with docket number *** that was added on my score that I have been disputing for the last months to get this item withdrawnI have talked with with several representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolvedThis is my 3rd dispute in which I am currently awaiting resultsI called and spoke with a representative and inquired from Experian on how credit bureaus verify their public recordsI want to know this information because the item keeps coming back as verified every timeI had managers tell me that the dispute is sent as a notice to the courthouse through *** Once the court verifies it, the information is mailed back to the credit bureauTo make sure the correct information was relayed, I contacted the court house and they told me that they never report any information via the credit bureausI decided to call Experian back to speak with another representative, but this time they advised that the information is verified by the contractor who goes to the court houseI asked what information does the contractor give to the courthouse, and how & what kind of physical information does the contractor verify to the credit bureausThey could not answer that question and just said its a form that they send over to the courthouseI asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureausExperian refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.please delete this bankruptcy from my credit report
Regards,
*** ***

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,
*** *** ***

February 9, 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 February 26, regarding the abovementioned consumer's complaint rebuttal of our response to his complaint.An Extended Security Alert has been added to the consumer's credit reportThis message, which willexpire after years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.Today I attempted telephone contact with the consumer, leaving a detailed message with my contactinformation.We have mailed a current credit report directly to the consumer for reviewIf there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdisputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent orincluded in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed inerror"If the status dates, amounts, balances or other specific data is incorrect, the consumer shouldalso indicate what the correct information should bePlease specify the item or account name andnumber.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 dateof birth)Also, please include one copy of a government issued identification card, such as a driver'slicense, 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 at ###-###-#### if you have anyquestions.Sincerely,*** ***Senior Regulatory Affairs Associate

October 21,
Revdex.com
Serving San Diego and Imperial
Counties
Viewridge Ave., #
San Diego, CA
RE: *** ***
Your Complaint ID: ***
To Whom It May Concern:
Our office recently received your correspondence regarding Mr***'s request for his credit report
and disputes
In order to process Mr ***'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*** 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 his 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*** should forward the requested information to my specific attention at Experian, CASS, ** **
*** *** *** ** ***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,
*** ***
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
The error on my credit report that is being reported by Experian, which also was originally reported by Credit Reporting Agencies TransUnion & EquifaxUpon presenting TransUnion & Equifax the details of my complaint they PROMPTLY deleted the Error and corrected my credit reportI don't understand why Experian who operates under the same Credit Report Laws as TransUnion & Equifax has failed to delete the error after being presented with the same evidence on (3) separate occasions spanning almost months.Just as TransUnion & Equifax who operate under the same standards and laws has taken the right steps to DELETE this inaccurate information I demand that Experian do the same This inaccuracy is severely effecting my credit worthiness and in-turn is effecting my life
Regards,
*** ***

I give consent for the complaint to go forward.It was sent by *** *** ***
*** * *** *** *** ***
*** ** *** ***

Our office recently received your correspondence of July 17, 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 AssociateConsumer Affairs Special Services

February 2, 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 January 26, regarding the above
mentionedconsumer's personal credit reportAccording to our records, the disputed tax lien appears exactly as stated, as having been released, orpaid in fullA copy of the current Experian credit report is being mailed directly to the consumer forreviewPaid tax liens will remain on the Experian credit report for up to seven years from the filingdate.Each national consumer credit reporting agency may interpret the requirements of the Fair CreditReporting Act differently and each company has their own policies and guidelines for disputinginformationTherefore, we cannot update or delete information in our database based on the resultsof a dispute with another consumer credit reporting agency nor can we dispute information for aconsumer with another consumer credit reporting agency.Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian fakes 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

July 11, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: James WOwen Complaint ID #***REF # 127564373Dear Revdex.com.Our office recently received your correspondence of June 30, regarding the above
mentioned consumer's complaint.Using the identification information you provided, we are unable to locate a credit record for the above-mentioned consumerThe consumer either has no credit history or additional identification information is needed in order to access the Credit informationPlease forward the Consumer's specific disputes along with the consumer's complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth).Please include one copy of a government issued identification card, such as a driver's license, state |D card, etcand 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 you for allowing me to assist youPlease contact me directly if you have any questions.***
*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** * *** ** ***

April 10, 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 April 6, 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

December 20, 2013Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** ***REF# ***ID# ***Dear Sir/Madam:Our office recently received your correspondence of February 20, regarding the abovementioned consumer's
personal credit profile.We have been in direct contact with the consumer and earlier this week we were able to address all ofher concerns regarding the security alert on her 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 our office 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 youfor allowing me to assist youPlease contact me directly if you have any questions
Sincerely,*** ***
Senior Regulatory Affairs Associate Experian Consumer Affairs*** *** ***

Dear Revdex.com:Our office recently received your correspondence of August 24, regarding the above mentioned consumer's rebuttal of our response to their complaint.Our records show conflict between the identification information being reported on the credit profile and the identification information provided in your correspondence.In order to research this matter fully, we will need the consumer to provide our office with proof of their social security number, such as a copy of the consumer's social security card or a document from the Social Security Administration that displays the consumer's name along with the social security number.In addition, we will need all of the following identification information: the full name including middle initial (and generation such as JR, SR, II, III), current mailing address, social security number (required due to the nature of the consumer's disputes), date of birth and previous address for the past yearsPlease include all the consumer's specific disputes.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 214726.***

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 have rejected the complaint issue due to that BK was filed wrong and should not even be on my file
Regards,
*** ***

November 14, 2016Revdex.com Serving San Diego and Imperial Counties Viewridge Ave #San Diego, CA 92123*** *** ** *** *** ** *** *** ***Dear Revdex.com.Our office recently received your correspondence regarding the above mentioned Consumer's
personal credit report.We apologize for any inconvenience that Mr*** might have experienced in regarding trying to obtain his credit report through AnnualCreditReport.Com.Experian is in the process of mailing a copy of Mr***'s Credit report to him today, November 14, 2016, for his reviewPlease note that mailed correspondence may take up to days for delivery through the US Postal system.The questions that Mr*** was referencing was created by a security program and are intended to be out of Wallet questions, in order to prevent unauthorized access to Mr*** Credit report by SOffleCre Cither thaf h?fflSelf.Experian is committed to the protection of each consumer's privacyTherefore, we disclose the personal Credit report only to the requesting Consumer who is the subject of the information.Additionally, the above mentioned Consumer may order a Current copy of their Experian Wantage SCOreFor more information, they may visit www.experialCornwantageScore.Thank you for allowing us to assist you in this matter
*** *** *** *** ***
*** *** *** *** *** *** ***

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,
*** ***