Experian

June 8, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** ***t Complaint ID # ***REF# ***Dear Revdex.com.Our office recently received your correspondence of May 31, 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 *** *** ***

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 enclosed the email that was sent to me concerning the Deletion off my Credit report back in MayThis is evidence that will be used by my attorney if needed
Regards,
*** ***

Dear Revdex.com:Our office recently received your correspondence of August 16, 2017, 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 for review.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 Withdrawn".The bankruptcy dismissed/withdrawn status will remain on the consumer's Experian credit report for seven years from the filing date.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Experian 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
This is a blanket response and not personalized to my situationI have told this company on numerous occasions I didn't authorize the attached inquiries and they will not remove from my reportUnder the FCRA I have the right to have a credit report that reflects true history and these inquires are not authorized and have no open accounts tied to my reportI respectfully ask the inquiries to be removed
Regards,
*** ***

September 15, 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 September 6, regarding the above
mentioned Consumer's personal Credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a Consumer disputes the accuracy or Completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that Collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and Consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or Cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the 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,Yvette Buffington Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # ***REF: *** **Dear Revdex.com:Our office recently received your Correspondence of March 29, regarding the above mentioned
consumer's personal Credit report.We were unable to honor the consumer's request to place a security freeze on the consumer's personal Credit report because we did not receive a fee and the consumer did not indicate that they are a victim of fraud or that their fee should be waived because they are years of age or olderThe fee for placing a security freeze on a Credit report is $If the consumer is a victim of identity theft and submit a valid police report or complaint, or indicate that they are years of age or older, the fee will be waivedIf the Consumer is an active duty military service member who has submitted a Copy of their orders calling them into service or extending their service, there is no fee.To request a security freeze, the consumer may log on to www.experian.com/freeze, call EXPERIAN (3742) or send all of the requested information via certified or regular mail to Experian Security Freeze, P.OBox 1240, Allen, TX 75013, or by overnight mail to Experian, Experian Parkway, Allen, TX You may also submit your request or documents supporting your claim electronically at experian.com/upload.Additionally, please forward the consumer's complete identification information (Social Security number, full name, Current address, previous addresses in the last two years and date of birth) along with their request to place a security freeze on their Experian Credit reportPlease include one copy of a government issued identification card, such as a driver's license or state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc$fee, or a valid law enforcement report or complaint, or copy of military orders, or indicate that the Consumer is years of age or older to qualify for the fee to be waived.We will send the consumer a confirmation notice once the security freeze has been added, and they will be given a personal identification number that will be required in order to remove the freeze temporarily (in Order to apply for Credit Orfor any transaction that requires that another party access your personal Credit report) or permanently.If the Consumer would like to Create a single-use personal identification number to be used by a Certain Credit grantor, they may log on to www.experian Com/freeze or Contact me directly at the number below.If the consumer moves to a new address and wish to keep the security freeze on their file, submit their request in writing and include all of their personal identification information and proof of their new address as specified in this letterAcceptable forms of payment to place a security freeze are Credit card, check and money orderIf the consumer submits their credit card information by mail, be sure to include the name exactly as it is displayed on the card, the Credit card type, the Credit card number and the expiration dateAccepted Credit cards are *** *** *** *** *** ***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,*** *** on behalf of *** *** Senior Regulatory Affairs Associate Experian Consumer Affairs4159CC*** ***

The following come any had filed the complaint on my behalfI have given permission l am aware of the complaint and all actions CRE Credit Services*** * *** *** *** ***
***
*** ***

June 25, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123Re: *** ***Ref: ***Complaint#: ***Dear Revdex.com:Our office recently received your correspondence dated June 17, 2015, regarding the above
mentionconsumer's personal credit reportIn the consumer's complaint, she indicated that she had been avictim of Identity Theft which resulted in a large number of negative accounts, collection accounts.The consumer further indicate that she disputed the items with the bureaus and then contacted theRevdex.com, to assist her with her concernsThe consumer also states that then Experian at that pointremoved all of the negative items on your credit reportHowever, she is now seeing that the previousblocked items have been reinsertedThe consumer believes that two laws have been broken; onewas reporting items that have clearly been proven as being part of ID theft and the second law thatwas broken, was re-inserting items previously deleted without notifying you.Our records indicate that we provided notification on April 10, 2015, that certain items on your creditreport were unblocked, due to the request to block information was based on a materialmisrepresentation or you knowingly obtained or should have known that you obtained possession ofgoods, services, or moneys as a result of the blocked transactions.According to the FCRA, a national consumer credit reporting company's role in the dispute process isto investigate information to determine the accuracy and completeness of any disputed item bycontacting the source of the disputed information and informing them of all relevant informationregarding the consumer's disputeThe Federal Trade Commission commentary (the governmentagency charged with enforcement of the FCRA) does not require that the consumer credit reportingcompany obtain documentation such as the actual signed sales slips, signature cards, contracts, etc.;nor does it require that consumer credit reporting companies act as mediators or negotiators inaccount disputes.Please be aware that Congress understood that credit reporting agencies would not always be givenaccurate information, and therefore established procedures for consumers to dispute information intheir reportsThe FCRA then requires credit reporting agencies, upon receipt of a consumer'sdispute, to investigate for the first time the accuracy of the item it has reportedIf a credit reportingagency accurately reports the information it is given, and then completes its investigation of aconsumer's dispute in a reasonable amount of time, the credit reporting agency has complied with itsrequirements under the FCRA and is free from liabilityPlease feel free to contact our office directly ifyou need further assistance.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
Regards,
*** ***

April 4, 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 March 28, regarding the above
mentioned consumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: “not mine, paid in full, never delinquent or included in bankruptcy” or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item 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 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.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 at *** if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***?? T*** ***

::::: ExperianDecember 14, 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 December 4, regarding the above mentioned consumer's rebuttal of our response to his complaint.Upon further research and reinvestigation, we are in the process of removing the *** *** and the *** *** accounts from the consumer's Experian credit reportUpon completion of this process, we will provide an updated credit report directly to the Consumer for review.Our records indicate that the additional disputed information does not appear on the consumer's current Experian credit report.Thank you for allowing me to assist youPlease contact me directly at *** if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***
*** *** ***

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
The reason is because it's been longer then days and no response from them on removing the items or and thing else
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 only if this item is deleted from my credit report I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Dear Revdex.com:Our office recently received your correspondence of October 31, 2017, regarding the abovementioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the
results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells US Specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the Consumer the resultS.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the Consumer also has the right to dispute information in the credit report directly with the furnisher of the information.According to the Fair CreditReporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to help resolve the Consumer's dispute, Experian will review all relevant documents submitted by the Consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact 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, andphone 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 ***

Yes, there is a third party working on my credit. The company is ***

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 sent documentation showing where the account was still reporting openI was told "Well, it is closed now!" I informed the rep that they had to delete it due to incorrect information, she stated, "let me help you understand, this account is reporting closed AMD will not be deleted" I asked her how can they disregard tangible information, and the rep again told me to contact the company. Also, I informed them that this account no longer belonged to me and that several years ago, I was removed from the accountNonetheless, they refused to help me.Regards,
*** ***

August 23, 2016Revdex.com Serving San Diego, Orange & Imperial Counties Viewridge Ave., #San Diego, CA 92123*** *** *** *** ** * *** * ***Dear RevDex.com.Our office recently received your correspondence August 15,
regarding the above mentioned consumer's complaint.An Extended Security Alert has been added to the consumer's credit reportThis message, which will expire after years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: “not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: “not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item 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 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.Our research indicates that we have not received an Identity Theft Police report from the consumerIn order to have the requested information removed from your personal credit report, you must send us a copy of a recent valid identity theft report (an official report filed with an appropriate federal, state, or local law enforcement agency, including the U.SPostal Inspection service or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false), or a valid copy of a Federal Trade Commission affidavit with a police officer's signature and police report number.To protect your personal identification information, Experian does not return correspondence sent to usSend copies of any documents you wish to provide to us and always retain your original documentsYou may also submit your request or documents supporting your claim electronically at experian.com/uploadIf you do not provide Experian with the required information specified above, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information Will be blocked.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***
** * *** ***

:::::: ExperianFebruary 5, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID #***REF# ***Dear Eetter Business Eureau.Our office recently received your correspondence of January 29,
regarding the above mentioned consumer's complaint.An Initial Security Alert has been added to the consumer's credit reportThis message, which will expire after days, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy” or for public record disputes: “not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item 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 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.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.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 Consumer Affairs Special Services ***?? *** ***

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 received my Experian credit report dated January 12, Upon receipt of the report, I found several problems with the reportI made numerous attempts to access the Experian website to initiate an online disputeEach attempt was met with the following "We are unable to honor your request using the information you provided." The information needed to access the dispute page is my social security number and the report numberWhy am I being denied the ability to initiate an online dispute when I am using MY SOCIAL SECURITY NUMBER as well as the report number which is clearly printed on this credit report? What is this company trying to hide or why is the company refusing to accept my attempt to issue a dispute? There is also a statement attached to the personal information section, that alludes to "variations" of my personal social security numberExactly what variations? I have ONE and only ONE social security numberExplanation as to why I am being denied the ability to access and initiate an online disputeA detailed explanation concerning "various" social security numbers associated with MY credit reportThis company has a 98% negative rating from consumers, yet are able to maintain an A-plus rating with the Revdex.comHow is this possible? Is this business allowed to purchase the company rating?
Regards,
*** ***

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID #***REF ***Dear Revdex.com.Our office recently received your correspondence of September 9, regarding the above mentioned
Consumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the Consumer should also indicate what the correct information should bePlease specify the item or account name andUmber.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, Current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.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 you for allowing me to assist youPlease Contact me directly if you have any questions.Sincerely,Michael Lonergan Senior Regulatory Affairs Associate