Experian

::::: ExperianNovember 3, 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 26,
regarding the above mentioned consumer's personal credit report.We are in the process of providing the consumer with their current Experian personal credit reportExperian 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 our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

Our office recently received your corresponderce of October 3, 2017, regarding the above-rentioned consurner's personal credit reportWe are currently investigating the disputed information with which the consurner disagreesUpon completion of this process, we will provide the results of our
investigation directly to the consumer.We store information based on identification inforrnation gyovided to us by credit grantors and providers of public recordsOre or mre sources of information reported tre identification information you questioned and it is a part of your credit historyIf you believe this information is inaccurate, you rruy want to contact the source of the information directlyPlease contact us by phone if you need additional assistance to determine the specific sources of particular identificationinformation on your credit reportWe have mailed a current credit report directly to the consurrer for If there is additional information appearing on a credit report that is believed to be inaccurate or incomplete, we must havea specific disputeExamples of specific disputes are as follows: "not mine, paid in full, neverdelinquent or included in bankruptcy" or for public record disputes: "not mire, paid/satisfied, vacated or filed in error"If the status dates, arnounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item or account narne number.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the inforrrztion is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collectedthe information from a public record source as a coun or other governrrent office either electronically or by US MailWe ask tre furnisher ortre verürto conduct a thorough and complete investigation to verify all of the information regarding disputed item, and report back within thetime frame required by lawWe review ard consider the response to determine whether to accept it, reject It, or follow up for additional informationIf, after processirg we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modifythat information, as appropriate, based upon the dispute arri the results of our processingIf we donot receive a resporse from the furnisher or the vendor witlin the required period, we update the itemas requested or élete the information, In sorre instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed informationshould be changed or deleted without having to contact the fumisher 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 inforrnation in tt-E credit file with the credit reporting agencies, the consurrer also has the right to dispute inforrnation in the credit report directly with thefurnisher of the information.If the consumer questions the results of tie dispute then they may want to contact the furnisher of the information directly or review the original inforrrøtion in tre public recordPleaserefer to the original personal credit report for the furnisher or public records office narne, ac%ress, and phone number (if available)Experian strives to achieve a high level of custorrer service for all the consurners they assistLet rre assure you that Experian takes its committnent to efficient, expeditiots service seriouslyThank you for allowing me to assist youPlease contact rte directly if you have any questionsSincerely,*** ***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
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.Complaint ID # ***Our office recently received your correspondence of September 25, regarding the above-mentioned consumer's rebuttal of our response to their complaint.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.If the consumer has any additional supporting documentation regarding the displhed information, they may forward it directly to rrE for review.Thank you for allowing rTE to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate Experian Consurner Affairs*** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint
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 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*** ***

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

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 *** ***

:::::: 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 ***?? *** ***

July 13, 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 July 5, regarding the above
mentioned consumer's personal credit report.Our records indicate that the disputed public records do not appear on the consumer's current Experian credit reportWe have mailed a current Experian credit report directly to the consumer for review.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services ***C?C*** ***

May 19, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office
recently received your correspondence of May 7, regarding the above mentionedconsumer's personal credit reportAccording to our records, the disputed *** accounts appear as stated on the consumer'scurrent Experian credit report, as having been transferred or closed with no balance owed and no latepayments being reportedA copy of the current Experian credit report is being mailed directly to theconsumer for review.Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

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 ***

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

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

February 20, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ** ***REF# *** *Complaint ID ***Dear Revdex.com:Our office recently received your correspondence of February 11, regarding the
abovementioned consumer's personal credit report.Our records indicate that we previously conducted investigations of the discharged Chapter 7Bankruptcy #***Investigations were initiated February 14, 2014, July 14, and againon July 31, In each instance, we were able to verify through our vender the consumer's fullname with correct generation code, the correct last four digits of his SSN and his address at the timeof the bankruptcy filing (see below)Results of the investigations were provided directly to theconsumerIf the results of the investigations are questioned, the consumer may want to contact thesource of the information directly: ** *** *** *** *** MN is located at *** ** *** **.,Ste*** *** *** ** ***, telephone ###-###-####.Additionally, research indicates that the consumer provided proof of his full name, *** ***, **., his SSN and his mailing address, ** *** *** *** ** and ** ** *** **, *** ** incorrespondence that we received from him on January 12, For this reason we must respectfullydecline his request to remove the addresses from his credit report.Regarding the *** inquiries of April 6, and June 17, 2014, these were made just prior toopening *** * *** *** account on April 7, and the *** / *** account on July 3,By federal law, your personal credit report must list all organizations that have requested yourcredit historyIn accordance with the Fair Credit Reporting Act, entities who have certified to Experianthat they have a permissible purpose may inquire about credit informationFor example, organizationsthat have granted you credit or with whom you have applied for credit are permitted to make inquirieson your credit reportRequests for your credit history remain on the personal credit report for at leasttwo years.Our records further indicate that the name "***" does not appear on the consumer's currentExperian credit reportWe are mailing a copy of the current Experian credit to the consumer forreview.Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

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,
*** ***

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 court denies verifying your informtion, and *** has no bankruptcy record on file for meTherefore it needs to be deleted
Regards,
*** ***

Hi, Yes there is a third party working on this claim for me--*** *** *** ***This is a claim against ExperianThank you. *** ***

:::::: ExperianMarch 1, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** ***-*** Complaint ID # ***REF# ***Dear Better EUsiness Eureau.Our office recently received your correspondence of February 22,
regarding the above mentioned consumer's personal credit report.Our records indicate that the disputed judgment does not appear on the consumer's current Experian credit reportWe have mailed a current Experian credit report directly to the consumer for review.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services ***(CC *** ***