Experian

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
Regards,
*** ***
They are still reporting the Bankrupty on my credit report and I have not received any new results

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 ask Experian for verification for multiple account and I never receive verificationMy first letter to them where May 22, It's been more than daysThey have sent me one letter saying its verified then they sent another letter saying its pendingFCRA (U.S.C1681)*** *** *** *** *** *** *** *** *** *** *** ***
Regards,
*** ***

June 10, 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 August 3, regarding the
above mentioned consumer's personal credit report.Our records show we have not received this complaint previously from your offices, therefore 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 of 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 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,*** *** *** *** *** *** *** *** *** *** *** *** ***

Revdex.com: Thank you for respondingPlease have the following two accounts deleted off my credit report or remove the comment "in dispute" as soon as possible Accounts: *** *** * *** *** *** *** ***
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,
*** ***

June 24, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: ** *** Complaint ID #***
*** ***
Dear Revdex.com.Our office recently received your correspondence of June 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,*** *** *** *** *** *** *** *** *** *** *** *** ***

Dear Revdex.com:Our office recently received your correspondence of August 18, 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 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).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 AssociateExperian Consumer Affairs *** ***

I would willing to respond to Experuan request for further information from me, however they did not include contact information on where to send the documentation that they requested which is part of the customer service issue I have with their services They request a lot of the consumer to verify for them however they do not do their part in providing the necessary information to facilitate that process

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 *** * *** ** ***

Dear Revdex.com:complaint ID # ***Our office recently received your correspondence of October 9, 2017, regarding the above-rnentioned consumer's personal credit profile.Today I attempted telepmne contact with the corsumer ard left a detailed message with my contact informationWe
apologize for any inconvenience the difficulties ttE consumer had with placing asecurity freeze on their Experian credit report rnay have causedIf the consumer continues to have questions or concerns their credit report ardor adding a security freeze they may call me directly at 214726-*** and I will assist trem in any way that I can.If the has additional questions or concerrs regardirg their Experian credit report in the future, they r-rzy contact me directJy and I will assist them in any way trat I can.Equifax announced on Se#mber 7th that they recently discovered a data breach in their system that affected a large number of consun-ersAs with ary data breach, this is an unfortunate situation for impacted consumersTo be clear, this is an Equifax incident ard unrelated to ExperiaroWe have no indication, nor any reason to believe we were affectedHowever, we stard ready to support impacted consumers as needed.Additionally, in the state of Oregon, the fee for placing a security freeze on a credit report is $There is no fee for victims of identity theft who provide a valid copy of an idenåty theft passport or an identity theft report filed with a law enforcement agency.For specific information this data breach, the consurner may contact Equifax at 866-447-7559.Not everyone will be a victim of identity as a result of a breach, u-Jt keeping inforrred can help the consumer mitgte risk wren with any data brea$lWten a breach does occur, the consumer can take action by doing a few things.Stay alert: If consumer have been part of a data breach, the breached company may send them a noticeRetain all documents and consi&r ary suæestions they may haveAlso, pay attmtion to and retain any rnail they receive that is unfamiliar to them, such as notices from the IRS regarding theirtaxes or any bills from unknown lenders.Monitor financial accounts: The consumer can visit treir online bank and financial accounts, and set up any alert features they may have, if the consurner has mt already dore soThis could help save them sonne time and keep tt"Em notified of any unusual events when they occur.Monitor credit reports: The consumer can check their credit report for free once every twelve months by visiting AnnualCreditReport.comChecking credit reports can help the consurner idenåfy any unusual activity, such as rew accounts, new personal information or inquiriesExperian free credit report members can check their Experian credit report for free every days on sign in.Also, if the consumer is already a member of Experian IdentityWorksTM, they can lock and unlock their Experian credit report at any time.For more inforrnation regarding their credit and frequently asked questions, the consumer may visit: http:/twwnw.experian.con'blo$/ask-experian/category/blog/protecting-your-i&ntity...⇄ strives to achieve a high level of custorner service for all the consumers they assist Let me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing to assist youPlease contact our office if you have ary questionsSincerely,*** ***Senior Regulatory Affairs Associate Experian Consurner Affairs*** *** ***

::::: ExperianNovember 4, 2015Revdex.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 October 27,
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 of 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 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 *** *** ***

May 20, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE*** *** Complaint # ***
Ref # ***Dear RevDex.com.Our office recently received your correspondence dated May 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,

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
Experian has still not proved according to the FCRA that said Bankruptcy belongs to me.
Regards,
*** ***

July 11, 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 July 1, 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 of 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 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,*** *** *** *** *** *** *** *** *** *** *** *** ***

Yes, there is a 3rd party working on my credit.That party is *** *** ***, and it is regarding Experian.Thank you,*** ***

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,
*** ***

Yes, I am filing this complaint and assigning *** *** *** to file the complaint in my behalfTheir address information is shown below
*** *** *** * *** *** *** *** ** *** *** *** *** ***Thanks,*** ***

May 18, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: Framcoise Pham Complaint # *** * ***Dear Revdex.com.Our office recently received your correspondence dated May 9, 2016, regarding the above
mentioned consumer's Experian 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 ***

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
*** *** *** *** ***
*** *** *** *** *** *** ***

Our office recently received your correspondence regarding the above-mentioned consumer's complaint.Our records indicate that the disputed chapter bankruptcy #*** information does not appear on the consumer's current Experian credit reportWe have mailed a current Experian credit
reportdirectly 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