Experian

April 21, 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 April 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

Experian strives to achieve a high level of customer service for all the consumers they assistLet 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 AssociateExperian Consumer Affairs***

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** Complaint ID #***REF# *** Dear Revdex.com:Our office recently received your correspondence of June 6, regarding the above mentioned
Consumer's personal Credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.If the consumer has additional information regarding the disputed information, please forward it directly to me.According to the Fair Credit Reporting Act (FCRA), a national consumer Credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the CreditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal Credit report.Experian strives to achieve a high level of Customer Service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,Michael Lonergan Experian Consumer Affairs Senior Regulatory Affairs Associate ***CC *** ***

January 29, 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 21, 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 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
***
*** ***

Hi ***I received notification that you needed a written authorization in order to proceed with complaint #***,Yes I authorize proceeding with this complaintI have a 3rd party working on my credit (*** *** ***).Please let me know if you need any additional information.Have a good
day.Sincerely,*** ***

April 6, 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 30, regarding the above mentionedconsumer's personal credit report.Our 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 assistLet 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

Our office recently received your correspondence of July 16, regarding the above mentionedconsumer's rebuttal of our response to her complaint.Our records indicate that the disputed CACH LLC account does not appear on the consumer's currentExperian credit reportWe have mailed a current Experian credit report directly to the consumer forreview.In her letter of June 5, the consumer states that she is enclosing a letter from (the creditor)requesting that we remove the inquiryI was not able to locate this enclosureIf the consumer hasadditional information regarding the disputed inquiry, please forward it directly to my attention.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateConsumer Affairs Special Services

November 22, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: Vicki WDietz Complaint ID #***REF ii***Dear Revdex.com.Our office recently received your Correspondence of November 14, regarding the above mentioned Consumer's rebuttal of our response to his Complaint.In order to properly identify you and remove the deceased indicator, please send us a notarized letter affirming your identityOnce we receive the notarized letter listing your full name, current mailing address, Social Security number, date of birth, and a statement that you are not deceased, we will update your Credit report and notify the data furnisher.In the interim, we have contacted the reporting source, KOHLS CAPONE account #***, to verify the deceased notationYou may also want to provide the notarized letter to this creditor that is reporting that you are deceasedPlease refer to your original personal credit report for this creditor's address, and phone number (if available).If there is additional information appearing on a Credit report that is believed to be inaccurate or incomplete, we must have a specific disputeWe are unable to investigate inaccurate information on the Credit report without knowing which item or account is inaccurate along with the specific nature of the inaccuracyPlease specify the item(s) or account name(s) and number(s) along with the specific dispute(s).Thank you for allowing me to assist youPlease Contact me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Experian Consumer Affairs4159CC *** ** ***

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,
*** ***

Dear Revdex.com:Our office recently received your correspondence of July 6, 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 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 *** ***

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,
*** ***

January 3, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123** *** *** *** ** ***
*** ***Dear RevDex.com:Our office recently received your correspondence of December 21,
regarding the above mentioned consumer's personal credit report.We are currently investigating the bankruptcy information with which the consumer disagreesUpon completion of the investigation process, we will provide the results 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 Experian.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 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, military ID card, etc., and one Copy of a utility bill, bank or insurance Statement, etc.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 officeWe 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 Informationlf, 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 vendorAfter we complete our processing, we send the consumer the results.If the consumer questions the results of the dispute process, then they may want to contact the source of the information directly or review the original information in the public recordPlease refer to the original personal Credit report for 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,*** *** *** *** *** *** *** *** *** *** *** ***

Hello,Yes there is a third party working on my credit.Thanks *** ***
*** *** ***

I authorize the following company to file this complaint against Experian on my behalf.complaint ID *** *** ***
*** * *** *** *** ***
*** ** ***
*** *** ***
*** ***
*** *** ###-###-####

Dear Revdex.com:Our office recently received your correspondence of May 25, 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.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, *** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC*** ***

PC Box Allen, TX www.anpetibm.comDecember 23, 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 15, 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 originalpersonal 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 *** *** ***

January 19, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of January 13, 2015, regarding the abovementioned
consumer's personal credit report.According to our records, the *** *** account #*** appears as stated on the consumer'scurrent Experian credit report, as having been paid with no balance owed and never lateA copy ofthe current Experian credit report is being mailed directly to the consumer for review.Regarding the *** *** *** ***xxx, our records indicate that wehave contacted the data furnisher to verify the accuracy of the information with which the consumerdisagreesThe disputed information was verified as accurately reported and confirmation was mailedto the above mentioned consumer for review.When a consumer disputes the accuracy or completeness of information on their personal creditreport and tell us specifically why they believe the information is inaccurate or incomplete, we processtheir dispute as required by lawWe contact the furnisher of the data to verify the accuracy of thedisputed information.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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

Dear Revdex.com:Our office recently received your correspondence of July 21, 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 irr “rd 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 in for additional information if, after rrrraccine we find that the disputed information is inaccurate, incomplete or cannot be verified, W is then delete that information, or modify 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, Iron 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 vendorIn addition to the Consumer's right to dispute information in this 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 processthen they may want to contact the furnisher of the information directly of review the original liferination in the public recordPlease refer to the original personal Credit report for the furnisher of 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,*** *** Experian Consumer Affairs Senior Regulatory Affairs Associate *** ***

Revdex.com:
I have send all my document to experianI am still waiting for verification
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,
*** ***