Experian

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** ** *** Complaint ID #***REFi 130718050Dear Better BUSimeSS Bureau:Our office recently received your correspondence of January 25, 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 consRespond to complaintumer'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)

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 *** ***

I *** *** authorize *** *** *** to operate on my behalf

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

October 31,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
RE: *** ***
REF #: *** & ***
Complaint ID # ***
Dear Revdex.com:
Our office recently received your correspondence of October 23, regarding the above
mentioned consumer's rebuttal of our response to her complaint
Our records indicate that the only information disputed in the consumer's original complaint of October
10, 2014, *** *** #*** does not appear on her current Experian credit report
Regarding a Tax Lien that was released in 2004, the only liens appearing on the consumer's current
Experian report are *** ** *** *** *** filed in 08/and *** ** *** ***
*** filed in 02/and released in 04/
A search of our records does not indicate that we have ever received documentation from the
consumer regarding released tax liensIf the consumer has any additional information regarding
these tax liens please forward it for review
We have mailed a copy of the credit report to the consumer for review
Thank you for allowing me to assist youPlease contact our office if you have any questions
Sincerely,
*** ***
Senior Regulatory Affairs Associate

July 8, 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 June 30, regarding the above
mentioned consumer's personal credit report.Our records indicate that the disputed *** *** *** / *** *** Associates account 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,*** *** *** *** *** *** *** *** *** *** *** *** *** *** ** ***

ExperianJuly 13, 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 5, regarding the above
mentioned consumer's personal credit report.Our records indicate that we have not previously received this complaint from the Revdex.com.We are currently investigating the information with which the consumes 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 me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***
*** *** ** ***

Dear Revdex.com:Our office recently received your correspondence of July 6, 2017, regarding the above mentioned consumer's personal Credit report.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute
Examples 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, bankor 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 our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

:::::: ExperianJanuary 20, 2016Better Business Eureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** ** *** Complaint ID # ***REF# ***Dear Eetter EUsiness Eureau.Our office recently received your correspondence of January 14, regarding the above mentioned consumer's rebuttal of our response to his complaint.Our records indicate that per the consumer's written request, investigations of US Bankruptcy CT ** *** *** *** were initiated on 5/12/15, 4/21/15, and 12/19/The information was verified as accurately reported by the bankruptcy documents on file at the public records office which confirm the filing and discharge dates and the consumer's full name, present address and the last digits of his Social Security numberUpon request, we will provide the bankruptcy documents to the Consumer for review.Additionally, investigations of *** ** *** *** *** *** *** *** *** *** *** *** ** ** *** *** *** *** *** *** *** *** were initiated on 12/14/15, 5/11/15, 4/21/and 2/7/In each instance the information was confirmed as accurately reported by the creditor.Results of all investigations were provided directly to the consumer for review.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the creditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information may need to be directed to the bankruptcy court and creditors reporting this informationPlease refer to the credit report for the creditors' address and telephone number (if available)If the consumer has any additional supporting documentation regarding the disputed information, for example a valid Identity Theft Police Report or a letter from the creditor or court in support of his dispute, he may forward that directly to me for review.Thank 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? *** ** ***

July 20, 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 July 9, 2015, regarding the above mentionedconsumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we willprovide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directlyby letter, telephone, or through an automated verification systemWe ask the source to check theirrecords to verify all of the information regarding the item questioned, and report back to us within 30days of the date that we received the consumer's requestOnce we receive their response, we sendthe consumer the results of the investigationIf we do not receive a response within days weupdate 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 disputeprocess is to investigate the information to determine the accuracy and completeness of any disputeditem by contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's disputeIf the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit reportThe FCRAdoes not require that the consumer reporting agency obtain documentation such as the actual signedsales slips, signature cards, contracts, etc.; nor does it require that consumer reporting agencies actas mediators or negotiators in account disputesPlease forward any documentation directly to thecreditor for review.Please refer to the original Experian personal credit report for the business name, address, and phonenumber (if available) of the source that verified the information.If I may be of further assistance, please contact me directly.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
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,
*** ***

::::: 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. For your reference, details of the offer I reviewed appear below
An account is listed on my Experian Credit Report from a collection company Receivables *** *** *** * ***Experian has listed this account as open derogatory account with the open date of October 1, I have contact Experian multiple times and disputed this account multiple times a well stating each time that I do not owe this amountI have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debtI received a signed copy from the Civil Court Judge that this case was Settled on October 5, A year before this collection company stated that the account was openThis Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account.I also called Experian on today about this matter and the Representative that I spoke with stated that they don't ask for documentation to verify that someone owe a debtThey just send the information to the collection agency and they selected if they verified it or notWhich is a violation because under the FCRA to have properly verified the accuracy of an account listed on my credit reportI would like for Experian to look at the attached documentation stating the contradicting information that Experian is reporting on my credit reportI would like for Experian to delete this account from my credit report and send me a updated copy of my report
Regards,
*** ***

March 22, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID ***REF# 125821811Dear Revdex.com:Our office recently received your correspondence of March 14, 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 me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services 4159ÇC*** ***

Dear Revdex.com:Complaint ID # ***Our office recently received your correspondence of October I I, 2017, regarding the above-ryentioned consumer's personal credit report.We have mailed a current credit report directly to the consumer for reviewIf 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, never delinquent or included in bankruptcy" or for record disputes: "not mine, paid/satisfied, vacated or filed in errorIf 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 drivers license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.We store information based on identification and address information provided to us by credit grantors and providers Of public recordsOne or more sources of information reported the identification and/or address information you questioned and it is a part of your credit historyIf you believe this information is inaccurate, you may 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 identification and address information on your credit report.By federal law, your personal credit report must list all organizations that have requested your credit historyIn accordance with the Fair Credit Reporting Act, entities who have certified to Experian thatthey have a permissible purpose may inquire about credit informationFor example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit reportRequests for your credit history remain on the personal credit report for at leasttwo years.Inquiries from credit grantors who request your credit information as part of your application for credit will display under the heading "Inquiries shared with others" on your personal credit reportThese inquiries display on your credit report when it is accessed by others with a permissible purposeThese inquiries may affect your credit score.Other inquiries for yotr credit information are considered "soft' inquiries and do not affect your credit scoreSome examples are: your current creditors to monitor your accourts; other creditors who want to offer you preapproved credit; an employer who wishes to extend an offer of employment; apotential investor assessing the risk of a current credit obligation; an end user to complete your mortgage loan application; and insurance underwriting (auto or home)These inquiries appear underthe heading "Inquiries shared only with you" on your personal credit report and are mt seen by anyone but you (except insurance companies may be able to see other insurance company inquiries)contact the furnisher or the vendorAfter we complete our processing, we send the consumer theresults.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questionsSincerely,*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs*** *** ***

Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123 RE *** ** *** *** ID # *** REF# *** Dear RevDex.com: Our office recently received your correspondence of September 30, regarding the above mentioned consumer’s personal credit report. Our records indicate that the disputed information 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 AssociateConsumer Affairs Special Services*** *** ***

San Diego, CA 92123RE: *** *** Complaint ID # *** REF # ***Dear Revdex.com:Our office recently received your correspondence of May 17, 2017, regarding the above mentioned consumer's personal Credit report.We apologize for any inconvenience Ms*** experienced in her
previous telephone contact with ExperianAppropriate actions are being taken to ensure that any customer service issues are addressedIn the future, the consumer may contact me directly at the number listed below and I will assist her in any way that I can.If 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 our office if you have any questions.Sincerely, *** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***

March 13, 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 March 5, regarding the above mentionedconsumer's personal credit report Thank you for including the requested additional information.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.If the consumer has additional information regarding the disputed account, for example an "innocentspouse" document authorized and approved by the IRS, please forward it directly to my attention forreview.A divorce decree may not affect your contracts with creditors if you have a joint account with your exspouse.You will need to negotiate repayment with creditorsFor more information on divorce and howit affects your credit, visit ***Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian fakes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

the company Response is some computer generated All I want is proof physical validation of all accountsWho has a license to collect debt, the license number Physical proof not he said she saidPlease provide actually contracts of me agreeing to opening accounts 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,
*** ***

Ms*** My name is *** ***, I am writing to give *** *** *** *** * *** *** *** *** *** Txauthorization to file this complaint on my behalfIf there is any other information or questions you have please feel free to contact my anytime at my provided
email addressThank you for any and all your help in this matterBest regards,*** ***