Experian

Dear Revdex.com:Our office recently received your correspondence of April 21, regarding the above mentioned consumer's rebuttal of our response to her complaint.In the complaint, the consumer states "Attached verification information"I was notable to locate this attachment.We have mailed a current credit report directly to the consumer for reviewIf the consumer has additional information regarding disputed information, please provide itPlease specify the item or account name and number along with the consumer's specific disputes and the additional informationPlease provide their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, *** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC*** ***

*** ***
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 our office if you have ary questions.Sincerely,*** ***
Senior Regulatory Affairs Associate Experian Consumer Affairs*** *** ***

May 18, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # ***REF# ***Dear Revdex.com.Our office recently received your correspondence of May 9, 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.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
I clearly stated in both complaints that I wanted absolutely no contact from this company, their subsidiaries,or anybody else who they sell or exchange personal information to, in any way, shape, or formLast night I got a phone call at 5:pm EST from 800-493-I didn’t pick up, so a woman *** ***, from Experian, left me a message which I saved to my phoneIt says verbatim: “Hello, this message is for ***My name is *** ***, I’m calling from the Experian Credit Reporting CompanyI’m calling in regards to the complaint from the Revdex.com about the *** Data Breach that you had some concerns aboutI just wanted to see if I could assist you with those concernsIf you could give me a call back at 214-726-4068, again my name is *** *** and my direct number is 214-726-Thank you”Obviously Experian received the complaint I filed with the Revdex.com and read itIt clearly states that I want no contact with this companyThey took my personal information off of the complaint and used it to violate my privacy after I requested no contact from themTherefore, I would like to amend my complaint to violation of privacy and using personal information provided to another company to violate my privacyI now have the recording as well as the postcard to bring further evidence against this company’s disregard for people’s privacyThey are ambulance chasers who need ***, the court system, and the public to know what they are doing.I had emailed you last week regarding my complaint against ExperianHere is what the email said:
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 will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** *** ***

*** ***Thank you for allowing me to assist you in this matter.Sincerely,*** ***
Senior Regulatory Affairs AssociateExperian Consumer Affairs*** *** ***

RE: *** *** Complaint ID # *** REF: ***Dear Revdex.com:Our office recently received your correspondence of May 19, 2017, regarding the above mentioned consumer's personal Credit report.An Extended Security Alert has been added to the consumer's Credit report on January 11, This message, which will expire after years, alerts Credit grantors to verify the consumer's identification in case someone is using their information without their consent.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 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 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 vendorAfter 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 CreditReporting 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 me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs AssociateExperian Consumer Affairs ***

January 2, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF#
***Complaint ID # 10356360Dear Revdex.com:Our office recently received your correspondence of December 24, regarding the abovementioned consumer's personal credireportWe are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

July 24, 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 15, 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 AssociateConsumer Affairs Special Services*** *** ***

March 29, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: Nayyer Idbal Complaint ID # ***Ref # 1259.36428Dear Revdex.com.Our office recently received your correspondence of March 21, regarding the above
mentioned consumer's complaint.Our records show the consumer added a Freeze to their report on November 13, A confirmation and personal identification number (PIN) were mailed to the consumer on that same day.Today | attempted telephone contact the consumer and left a detailed message with my contact informationIf the consumer continues to have questions or concerns regarding their Experian credit report and/or security freeze the consumer may call me directly at 214-726-and I will assist them in any way that I can.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,Yvette Buffington Senior Regulatory Affairs Associate Consumer Affairs Special Services 4045CC: *** ***Springfire DrPlano, TX

October 7,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
RE ***
***
REF# ***
Complaint ID # ***
Dear Revdex.com:
Our office recently received your correspondence of September 30, regarding the above
mentioned consumer's personal credit report
We are in the process of providing the consumer with their current Experian 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

November 17,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
RE *** ***
REF# ***
Complaint ID # ***
Dear Revdex.com:
Thank you for your recent correspondence of November 10, regarding the
above mentioned
consumerRegarding State Tax Lien *** *** *** , our records indicate that thru our vender, we
researched this public record at the source, the *** *** ***, *** ** *** ***, ***
** ***, telephone ###-###-#### and verified the accuracy of the informationInvestigations were
completed and results were provided directly to the consumer on July 8, and November 6,
A tax lien appearing on the credit report means that the government has filed a lien for past due taxes
The amount of the lien includes the original value of the lienWhile you make payments to the
government, the account status will remain as it appears nowOnce you pay the account in full, it will
show "tax lien released." This will remain on the personal credit report for up to seven years from the
filing date
When a consumer disputes the accuracy or completeness of information on their personal credit
report and tell us specifically why they believe the information is inaccurate or incomplete, we process
their dispute as required by lawWe contact the furnisher of the data to verify the accuracy of the
disputed information
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
According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting company's
role in the dispute process is to investigate 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 disputeThe Federal Trade Commission's
commentary does not require that the consumer credit reporting company obtain documentation such
as the actual signed sales slips, signature cards, contracts, etc.; nor does it require that consumer
credit reporting companies act as mediators or negotiators in account disputes
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 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
On several occasions; I brought my issue to the attention of *** *** via email and I spoke to, email and mailed *** *** - yet my issues remain***, *** and *** are reporting updated and correct information and Experian is reporting outdated and incorrect information that has not only impacted my credit score in a negative way -most importantly it has impacted my chances of obtaining new creditExperian has completed investigations yet the same incorrect information is being reported. Change the following:** *** ** *** *** ** *** * ***I provided legal documentation several timesPlease remove alias; *** *** *** *** *** from my credit report.Employer: *** *** *** *** *** *** * *** ** * *** *** *** *** ** ***
*** *** Person Address: 4*** *** *** *** ** *** Person Identity Theft Phone Number: *** ***

November 17,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
RE *** ***
REF# ***
Complaint ID ***
Dear Revdex.com:
Our office recently received your correspondence of November 7, regarding the
above
mentioned consumer's personal credit report
Our records indicate that we previously received correspondence from the consumer on 09/12/
Per this correspondence, investigations were initiated on the *** ***, ** *** * ***,
*** *** and *** *** * ***accounts based upon the consumer's dispute "not mine"
Investigations were completed and results were mailed to the consumer on 10/09/
We apologize if the consumer did not receive this mailed responseWe have mailed an updated copy
of his Experian credit report which will reflect the results of previous investigations
We are currently investigating the above listed information again along with the additional accounts
listed in the Revdex.com complaint, *** ***, *** *** and
*** ***These accounts are being disputed as "Inaccurate", requesting verification
of complete ID and account informationUpon 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,
*** ***
Senior Regulatory Affairs Associate

July 17, 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 8, 2015, 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, military 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 if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

May 28, 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 19, 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

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.Using the identification information you provided, we are unable to locate a credit record for theabove-mentioned consumerThe consumer either has no credit history or additional identificationinformation is needed in order to access the credit informationPlease forward the consumer'sspecific disputes along with the consumer's complete identification information (Social Securitynumber, 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, stateID 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 assist Let meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

March 16, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RESandy Chapple Complaint # ***Ref # ***Dear Revdex.com.Our office recently received your correspondence dated March 8, 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.*** *** Senior Regulatory Affairs AssociateConsumer Affairs Special Services ***Sincerely,

October 22,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
RE: *** ***
REF #: ***
Complaint ID #***
Dear Revdex.com:
Our office recently received your correspondence of October 15,
regarding the above mentioned
consumer's complaint
We are currently investigating judgment *** with which the consumer disagreesUpon
completion of this process, we will provide the results of our investigation directly to the consumer
Our records indicate that we previously conducted investigations regarding the additional information
with which the consumer disagreesIn each instance, the creditor verified the accuracy of the
accountsResults of the investigations were provided directly to the consumerIf the results of the
investigations are questioned, the consumer may want to contact the source of the information
directlyThe Consumer can refer to the original personal credit report for the source business name,
address, and phone number (if available)
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
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 vendorAfter we complete our processing, we send the consumer the
results
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 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 credit
reporting agency must offer to include a consumer statement on the personal credit report
The Consumer Financial Protection Bureau (the government agency charged with enforcement of the
FCRA) does not require that the consumer credit reporting company obtain documentation such as
the actual signed sales slips, signature cards, contracts, etc.; nor does it require that consumer credit
reporting agencies act as mediators or negotiators in account disputes
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

November 4, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID # ***REF# ***Dear Revdex.com.Our office
recently received your correspondence of October 27, 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 *** *** ***