Experian

Yes, their is a third party working on my creditIt is CRE Credit Services

April 14, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of April 6, regarding the above mentioned consumer's rebuttal of our response to her complaint.Our records indicate [redacted] accounts appearing on the consumer's current Experian credit reportBoth accounts reflect they were transferred.A 3" [redacted] account does not appear on the consumer's current Experian credit report.An account that displays as transferred indicates that either the debt was bought by another company or the debt was transferred to another account with the same companyA transferred account will remain on the personal credit report for years, unless the account had been past due prior to the transferThen the account will remain for seven years from the original date of the missed paymentThe balance of the transferred account will reflect a zero or N/A, while the new company that is collecting on the debt will show the balance as it is owed.Research indicates that the [redacted] accounts have been investigated on at least separate occasions, most recently on 03/29/In each instance the creditor confirmed the accuracy of the accountsResults of the investigations were provided directly to the consumer.Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing informationTherefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency.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 reportIf 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).Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***?? ; [redacted]

January 26, 2016Revdex.com Serving San Diego and Imperial Counties Viewridge Ave #San Diego, CA 92123RE: [redacted] Complaint ID: [redacted] REF# [redacted] Dear Revdex.com.Thank you for submitting your complaint dated 12-22-2015, regarding the above mentioned consumerWe appreciate that your office took the time to let us know about their experience with our company.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 additional assistance, the consumer may call me directly at [redacted] , or write to Experian at P.OBox 1240, Allen, TX 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, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

Dear Revdex.com:Our office recently received your correspondence of May 24, 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, 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[redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs 214726***

January 12, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of January 4, regarding the above mentioned consumer's personal credit report.Our records indicate that we have not previously received this complaint from the Revdex.com.Additionally, our records indicate that we have contacted the data furnisher to verify the accuracy of the information with which the above mentioned consumer disagreesThe disputed information was verified as accurately 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, 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 creditors reporting this informationPlease 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, they may forward that to us 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, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***

July 13, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com.Our office recently received your correspondence of July 5, regarding the above mentioned consumer's complaint.Using the identification information you provided, we are unable to locate a credit record for the above-mentioned consumerThe consumer either has no credit history or additional identification information is needed in order to access the Credit informationPlease forward the ConSUmer's specific disputes along with the consumer's complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth).Please include one copy of a government issued identification card, such as a driver's license, state |D card, etcand one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] ***

August 12, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Ref #: [redacted] Complaint# [redacted] Dear Revdex.com:Our office recently received your correspondence dated August 3, 2015, regarding the abovementioned consumer'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, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***

April 26, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of April 18, regarding the above mentioned consumer's personal credit report.Today | attempted telephone contact with the consumer and left a voice mail requesting that he call me backIf the consumer continues to have difficulty with his Experian credit report he may call me directly at 214-726–and I will assist him in any way that I can.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 [redacted] if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

Dear Revdex.com:Complaint ID # [redacted] Our office recently received your correspon&nce of October 2, 2017, regarding the above-mentioned consumer's rebuttal of our response to his complaintWe are currently irwestigating the disputed bankruptcy inforrnation with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly tothe consumer.Judgrnents, Tax Liens ard Bankruptcies are a rnatter of public recordAlthough the court where the disputed public records are filed rruy not report this type of data, a vendor may collect this datadirectly from the court's public recorcÉ and supply that information to ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian's ræthod of verification for public records complies with the requirernents of the Fair Credit Reporting Act (FCRA).Thank you for allowing me to assist youPlease contact our office if you have any questions[redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

Dear Revdex.com:Our office recently received your correspondence of July 21, regarding the above mentioned consumer's rebuttal of our response to her complaint.We are presently investigating the [redacted] account with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.Our records do not indicate that that this account was previously deleted from the consumer's Experian credit report.If the consumer has additional information, please forward it directly to my attention 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 who 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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs

[redacted] Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

April 18, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint # [redacted] Ref # [redacted] Dear Revdex.com.Our office recently received your correspondence dated April 8, 2016, regarding the above mentioned consumer's Experian credit report.Our records indicate that the disputed [redacted] account is appearing as [redacted] stated on his personal credit reportWe are in the process of forwarding the consumer a current credit report for review.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification systemWe ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within days of the date that we received the consumer's requestOnce we receive their response, we send the consumer the results of the investigationIf we do not receive a response within days we update the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's disputeIf the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit reportThe FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputesPlease forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directly[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***Sincerely,

Dear Revdex.com:Our office recently received your correspondence of September , 2017, regarding the above-mentioned consumer's Experian credit reportWe are currently investigating the bankruptcy information with which fre consumer disagreesUpon completion of this process, we will provi& tre results of our investigation directly to the consumer.Judgments, Tax Liens and Bankruptcies are a of public recordAlthough the court where the disputed public are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to ExperianExperian does not divulge the names of our vendors as this is proprietary information ard they are not the source of this public record informationExperian's method of verification for public records complies with the requirements of the Fair Credit Reporting Act (FCRA).men 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 as a court or other government office eitherelectronically or US Mail We 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 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 is inaccurate, incomplete or canmt 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 required period, we update the item as requested or delete the information, In sorne instances, upon reviewing the credit file and any relevant information 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 as long 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 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 trey 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 tt•e 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 youfor allowing me to assist youPlease contact me directly if you have any questions[redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

April 20, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint # [redacted] Ref # [redacted] Dear Revdex.com.Our office recently received your correspondence dated April 11, 2016, regarding the above mentioned consumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we will provide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification systemWe ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within days of the date that we received the consumer's requestOnce we receive their response, we send the consumer the results of the investigationIf we do not receive a response within days we update the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's disputeIf the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit reportThe FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputesPlease forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directly[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] Sincerely,

I SENT THE REQUIRED INFORMATION TO RECEIVE MY CREDIT REPORT AND THEY REFUSE TO SEND IT.Desired Outcome: SEND ME A COPY OF MY CREDIT REPORT AS I ASKED [redacted] 6/27/Experian P.O Box Allen , TX To Whom It May Concern: My name is [redacted] and I have recently received the results from your previous "investigation" of the incorrect information you are willfully reporting about meI disagree with your results and have included the reasons that your reporting is still inaccurate belowPlease correct the below referenced discrepancies immediatelyAlso, please send me a description of how you investigate these accounts, the name, address, and phone number of everyone you speak with on my behalf, and notify those with whom I have applied for credit within the last year once these mistakes have been correctedHere is the list of the incorrect or incomplete accounts: [redacted] Late payments on this account are not reported completely or verifiably [redacted] The reporting of this ac

ExperianApril 18, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of April 8, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the Consumes the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services

See attached.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted] ***

July 11, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] 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 we have previously contacted the data furnishers to verify the accuracy of the information with which the consumer disagreesThe disputed information was verified as accurately 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, 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 creditors reporting this informationPlease 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, they may forward that to us 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, [redacted] ***

May 19, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint # [redacted] Ref # [redacted] Dear Revdex.com.Our office recently received your correspondence dated May 11, 2016, regarding the above mentioned consumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we will provide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification systemWe ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within days of the date that we received the consumer's requestOnce we receive their response, we send the consumer the results of the investigationIf we do not receive a response within days we update the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's disputeIf the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit reportThe FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputesPlease forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directlySenior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***Sincerely,

Dear Revdex.com:Our office recently received your correspondence of May 30, 2017, 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.Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).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 reportAccording to the Fair Credit Reporting 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.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)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 dispute.In 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 our office if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***