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

February 19, 2015Revdex.comServing San Diego and Imperial Counties*** *** *** ***
*** *** ** ***RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your
correspondence of February 10, regarding the abovementioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

July 22, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of July 13, regarding the above
mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

:::::: ExperianMarch 1, 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 February 22,
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,*** *** 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 find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Yes I have someone working on my credit

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 *** ***

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

July 1, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID #
***Dear Revdex.com:Our office recently received your correspondence of June 23, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

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

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*** *** ***

From: *** ***Date: Fri, Aug 7, at 9:AMSubject: RE: You have a new message from the Revdex.comTo: ***Yes *** *** *** is working on my credit *** *** *** *** ** *** *** *** ** *

I apologize for the mistake, I was quite frustrated with what was going onThe complaint is against Experian most certainly. Again sorry for the confusion.Sincerely, *** ***

Dear Revdex.com:Our office recently received your correspondence of October 27, 2017, regarding the abovementioned consumer's personal credit report.An Extended Security Alert was added to the consumer's credit report on August 2, This 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.Based upon a block notification from Trans Union, the disputed *** *** *** *** account #*** *** was blocked from his Experian credit report on 04/16/At that time, we notified *** *** *** *** of Our action.In a letter to Experian, the creditor certified that they had made a reasonable determination that the consumer had received goods or services or that there had been a misrepresentation of facts by the Consumer in Connection with this accountThe letter stated that the acCOUnt was found to be legitimate and not the result of identity theft and requested that Experian reinsert the account and update the consumer's credit fileOn 08/03/the account was unblockedNotification of this action was provided via US Mail to the consumer at that time.We are currently investigating the ** *** *** and *** *** *** *** accounts 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 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 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).If the consumer has any additional supporting documentation regarding the disputed information, he may forward it directly to my attention's attention for review.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 report.Any further concerns regarding the disputed information may need to be directed to *** *** *** *** and ** *** ***/*** for additional assistance.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.*** *** ***Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

February 3, 2015Revdex.comServing San Diego and
Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of January 26, regarding the above mentionedconsumer's personal credit reportOur records indicate that we have previously contacted the data furnishers to verify the accuracy ofthe information with which the consumer disagreesThe disputed information was verified asaccurately reported and confirmation was mailed to the consumer for review.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, underthe FCRA, to add a 100-word statement specifying the nature of their disputeThe statement willappear with the item as long as the item remains on the credit reportAny further concerns regardingthe disputed information may need to be directed to the creditors reporting this informationPleaserefer to the original personal credit report for the furnisher or public records office name, address, andphone number (if available)If the consumer has any additional supporting documentation regardingthe disputed information, they may forward that to us 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** *** ***
*** *** *** *** ***
*** ** ***

July 18, 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 8, regarding the above mentioned consumer's rebuttal of our response to his complaint.In the rebuttal, the consumer did not provide details of their dissatisfaction or additional information regarding the disputed information.We have mailed a current credit report directly to the consumer for reviewIf the consumer has additional information regarding disputed information, please provide itPlease specify the item or account name and number along with the consumer's specific disputes and the additional informationPlease provide their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***