Experian

June 29, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** ** ***REF #: ***Complaint ID #***Dear Revdex.com:Our office recently received your correspondence of June 18, regarding the above
mentionedconsumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdisputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent orincluded in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed inerror"If the status dates, amounts, balances or other specific data is incorrect, the consumer shouldalso indicate what the correct information should bePlease specify the item or account name andnumber.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 dateof birth)Also, please include one copy of a government issued identification card, such as a driver'slicense, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly at ###-###-#### if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

July 13, 2015Revdex.comServing San
Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** ***Ref #: ***Complaint#: ***Dear Revdex.com:Our office recently received your correspondence dated July 1, 2015, regarding the above mentionedconsumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we willprovide the results of our investigation directly to your client.Regarding our investigation process, Experian contacts the source of the disputed information directlyby letter, telephone, or through an automated verification systemWe ask the source to check theirrecords to verify all of the information regarding the item questioned, and report back to us within 30days of the date that we received the consumer's requestOnce we receive their response, we sendthe consumer the results of the investigationIf we do not receive a response within days weupdate the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the disputeprocess is to investigate the information to determine the accuracy and completeness of any disputeditem by contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's disputeIf the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit reportThe FCRAdoes not require that the consumer reporting agency obtain documentation such as the actual signedsales slips, signature cards, contracts, etc.; nor does it require that consumer reporting agencies actas mediators or negotiators in account disputesPlease forward any documentation directly to thecreditor for review.Please refer to the original Experian personal credit report for the business name, address, and phonenumber (if available) of the source that verified the information.If I may be of further assistance, please contact me directly.Sincerely,*** ***Senior Regulatory Affairs Associate

Revdex.com:
I have reviewed the response made by the business in reference to
complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
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,
*** ***

I've given CRE CREDIT SERVICES the permission to complain on my behalf about ExperianIf you need anything further, contact me at ###-###-#### or email me * ***

Hello! I have been directed by my *** *** *** to inform you my complaint (consumer complaint #***) is being handled by a third partyThank you very much!*** ***

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,
*** ***

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 have reached out the collection company and paid the portion that I was responsible forThe other amount was written off due to someone using my information after I moved out of the propertyPlease see the attached letter from *** ***
Regards,
*** ***

July 13, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave #200San Diego, CA 92123RE: *** ***REF# ***Complaint ID: ***Dear Revdex.com:Thank you for submitting your complaint dated 06-30-2015,
regarding the above mentionedconsumerWe appreciate that your office look the time to let us know about their experience with our company.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.For additional assistance, the consumer may call me directly at ***, or write to Experian atP.OBox 1240, Allen, TX Experian strives to achieve a high level of customer service for allthe 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 ifyou have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

Yes there is a third party working on my credit, *** *** ***, and it is regarding Experian

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
They have not corrected my file or sent me an updated copyMy report is reflecting incorrect information that IHave dilated with them for months now vide details of why you are not satisfied with this resolution
Regards,
*** ***

Our office recently received your correspondence of October 17, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation
directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Greetings, I initiated a dispute with Experian December 5th to remove unauthorized accounts and credit inquiriesIt has been well over the days given for the company to respond and delete these accounts and inquiries per the Fair Credit Reporting ActI have provided all requested documents to Experian including my police report and proper identification to get this issue resolvedBelow are the reporting accounts and inquiries that should be removed from my credit reportShould you need any additional information please let me knowReporting Accounts: ** *** *** *** ** *** ** *** *** *** *** * *** ** *** *** *** *** *** *** *** *** ** *** * *** *** * *** *** *** *** * *** *** *** *** * *** *** *** *** * *** *** ** *** *** Thank you for your assistance in resolving this matter.
Regards,
*** ***-***

:::::: ExperianMarch 10, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # ***REF# ***Dear Eetter Business Bureau.Our office recently received your correspondence of March 1,
regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

I hired a rd party to clean my credit up
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,
*** *** I *** *** hired a 3rd party to clean up my credit

Dear Revdex.com:Our office recently received your correspondence of 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 reportingagencies, 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 apublic 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

March 31, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID #***REF# 125984106Dear Revdex.com.Our office recently received your correspondence of March 23, regarding the above
mentioned consumer's complaint.Using the identification information you provided, we are unable to locate a credit record for the abovementioned 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,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** * *** ***

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

July 2, 2015Revdex.comServing San Diego,
Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** ***Ref #: ***Complaint #: ***Dear Revdex.com:Our office recently received your correspondence dated June 23, 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 your client.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. *** ***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
Regarding the April message from M*** *** of Experian (below), I have received no credit report in the mailThe *** ***, Social Security office informed me that Experian did not have my current address, which was what prevented me from opening an online account with SSA.I am surprised that the Revdex.com has closed this complaint before verifying that I either received a copy of the report or that in fact this complaint has been resolved. It has NOT BEEN RESOLVED
Regards,
*** ***

March 24, 2016Bettes Business Bureau 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 March 16, regarding the
above mentioned consumer's personal credit report.Our records indicate that the *** *** * *** account appears as stated on the consumer's current Experian credit report, as having been paid in full and never late.Our records also indicate that we have previously contacted the creditors to verify the accuracy of the additional information with which the consumer disagreesThe disputed information was verified as accurately reported by the creditor and results were 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,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***