Experian

February 17, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of February 2, regarding the above
mentionedconsumer's personal credit report.An Extended Security Alert has been added to the consumer's credit reportThis message, which willexpire after years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.Our records indicate that the disputed information does not appear on the consumer's currentExperian credit reportWe have mailed a current Experian credit report directly to the consumer forreview.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

The employee needs attention My credit report issue needs to be cleared up The company should not have foreign companies having access to americans credit information

February 9, 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 30, regarding the above mentionedconsumer's rebuttal of our response to his complaint.Our records indicate that we previously conducted investigations regarding the *** *** on 06/19/2014, 10/10/and again on 11/07/In each instance, the ***or verifiedthe accuracy of the accountResults of the investigations were provided directly to the consumer.Today I spoke with *** of *** *** *** by telephone*** was able to confirm thatthey had investigated the account a number of times and confirmed that the account is accurate as itappears on the Experian *** report with correct balance owed, charge-off amount, original amount,original date of delinquency, account condition, payment status and closing date)If the results of the investigations are questioned, the consumer may want to contact the source of theinformation directlyThe Consumer can contact *** *** *** Customer Service by mail at*** ** *** ***, Westborough, MA 01581, or by telephone at ###-###-####.If the consumer disagrees with the results of the reinvestigations, it is his legal right, under the FCRA,to add a 100-word statement specifying the nature of their disputeThe statement will appear with theitem as long as the item remains on the *** reportAny further concerns regarding the disputedinformation will need to be directed to the source of the information, *** *** ***.If the consumer has additional information regarding the disputed account, please forward it directly tomy attention for review.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

CRE Credit Services is handling this matter on my behalf. Thank You,*** ***

San Diego Revdex.com, I do consent to have *** file this complaint on my behalf. *** *** ***
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*** * *** *** *** ***
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***Thank you,*** ***

Dear Revdex.com:Our office recently received your correspondence dated August 9, 2017, regarding the above mentioned consumer's 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.The consumer may want to contact the creditors involved in this situation to explain the circumstancesThey may request for the consumer to complete an affidavit of fraud so they may further investigate the disputed account.A Security Alert has been added to the consumer's Credit reportThis message, which will expire after days, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consentAs an additional precaution, we have removed the consumer's name and address from prescreened offer mailing lists for six monthsFor the consumer's convenience, we will share this security alert request with the other national Credit reporting agencies, Equifax and Trans Union.Please contact me directly if I may be of further assistance regarding this matter.Sincerely,*** *** Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

Our office recently received your correspondence regarding the above-mentioned consumer's rebuttal of our response to their complaint.An Extended Security Alert has been added to the consumer's credit report on August 15, Thismessage, which will expire after years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.We 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.Thank you for allowing me to assist youPlease contact me directly if you have any questions. Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateExperian Consumer Affairs

::::: ExperianDecember 1, 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 November 19,
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 of the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

Revdex.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 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 information, in some instances, upon reviewing the Credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the Consumer questions the results of the dispute process, then they may want to Contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal Credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of Customer service for all the Consumers they assistLet me assure you that Experian takes its Commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** ***
** *** ***

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

May 20, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your
correspondence of May 12, 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

Yes, there is a third party working on my credit I authorize *** *** *** This is regarding Experian.Let me know if you need anything elseThank you*** ***

Dear Revdex.com:Our office recently received your correspondence of July 6, 2017, regarding the above mentioned consumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be
inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item or account name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, Such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist you.Sincerely,*** *** Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

*** *December 9, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123*** *** ** *** *** ** *** *** *** ***
*** *** *** ***Our office recently received your correspondence of
December 1, 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 ID 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,*** *** *** *** *** *** *** *** *** *** ***
** *** ** ***

Yes there is a third party working on this matter

December 13, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123** *** ** *** *** ** * ***
*** ***Dear Revdex.com.Our office recently received your correspondence of December 13,
regarding the above mentioned consumer's personal credit report.We are currently investigating the ** *** *** (open date 03/01/2004) account with which the Consumer disagreesUpon Completion of this process, we will provide the results of our investigation directly to the ConsumerIf the Consumer has additional information regarding this account, please forward it directly to me for review.Additionally, our records indicate that the ** *** *** (open date 04/01/2007) account appears as the consumer stated, as having been "Settled" with no balance owed.A "paid in settlement for less than the full balance" account indicates that arrangements were made between you and the Credit grantor to accept a lesser amount of the original balance as paymentBecause the account is closed to future charges, it is considered to be a "closed account.""Paid in settlement for less than the full balance" accounts remain on your personal credit report for seven years from the date of the initial missed payment that led to the delinquencyIf you were never delinquent prior to settlement, the account will remain on your personal Credit report for seven years from the date paid in settlement.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease Contact me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** ***
** *** ** ***

Dear Revdex.com:Our office recently received your correspondence of July 6, 2017, regarding the above mentioned consumer's personal Credit report.We are currently investigating the Barclays Bank Delaware account with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the Colstiine,Our records indicate that the disputed Northstar Location Services, LLC account does not appear on the consumer's current Experian Credit reportIf there is additional information appearing on the consumer's 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 recordPlease 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.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 of by US MailWe ask the furnisher or the weiiti iu) 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 itemas 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 file with the Credit reporting agencies, 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 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, Ko*** ***

Good afternoon, Yes there is a third party, *** is the name of the credit repair company *** ***

July 21, 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 14, 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 thathe 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

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
Sent a letter to Experian on January 30, 2017, and again August 2017, requesting they to remove the inaccurate balance from Account Name: United Auto Credit Corp, Account# ***I also mailed Experian a letter on December 26, asking them to investigate the information reporting on this account and I received a responses from Experian that the account was “VERIFIED”I also sent a certified letter to United Auto Credit on November 28, asking for them to verify the informationI received no response within the days allowedAccount Name: United Auto Credit Corp Account Number: Account# ***Dispute Reason: Balance Amount is Inaccurate: Dispute Reason: Past Due Balance Amount is Inaccurate Dispute Reason: This account was sold to different collection agenciesThe above account was sold to two different collection agencies; therefore, there is no balance amount owed to United Auto Credit Corporation (See Uploaded Attachment) Dispute Reason: Past Due Balance Inaccurate: The account was sold; therefore, there is no Past Due balance or Current Balance owed to United Auto CreditThe FCRA states that 100% accurate information must be reported on my credit file. United Auto Credit has sold this debt twice to collection companiesOnce October to "Professional Bureau of Collections of *** ***." (See uploaded attachment), They sold the debit a second time to "ACT" in March of (See uploaded attachment)Experian CAN NOT possible “Verify” or “Update” a debt that United Auto Credit no longer owns and sold twice to two different collection agenciesI have exhausted all of my options to resolve this matter with the creditor and Experian. United Auto Credit has sold this debt twice to collection companiesOnce October to "Professional Bureau of Collections of *** ***." (See uploaded attachment), They sold the debit a second time to "ACT" in March of (See uploaded attachment). I am now demanding that the FCRA laws be followed; and that since the account has been sold the "Balance = $and the Past Due Balance - $0.00" be updated and corrected on my credit report immediately
Regards,
*** ***