Experian

April 21, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of April 13, regarding the above mentionedconsumer's personal credit report.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

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
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*** *** - yet my issues remain***, *** and *** are reporting updated and correct information and Experian is reporting outdated and incorrect information that has not only impacted my credit score in a negative way -most importantly it has impacted my chances of obtaining new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: *** ***

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

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

Dear Revdex.com:Our office recently received your correspondence of August 24, 2017, regarding the above mentioned consumer's personal Credit report.We are currently investigating the disputed bankruptcy information with which the consumer disagreesUpon completion of this process, we
will provide the results of our investigation directly to the Consumer.Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).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 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, and phone number (if available)

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

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

March 22, 2016Revdex.com Serving San Diego and Imperial Counties Viewridge Ave., #San Diego, CA 92123RE: *** *** Complaint ID ***REF #: *** -Dear Revdex.com:Our office recently received your correspondence of March 14, regarding the above
mentioned consumer's complaint.According to court documentation provided to Experian by the consumer in correspondence dated 02/27/2016, US BKPT CT PA PHILADELPIA #*** is a chapter bankruptcy filed on 11/07/and discharged 03/19/The consumer's current Experian credit report indicates the Sassle.Any account included in a bankruptcy remains on the personal credit report for a maximum of seven years from the date the bankruptcy was either filed or dischargedThe bankruptcy itself, listed in the public record information section of the credit report, remains for seven years from the filing date if it was a Chapter 13, or years from the filing date if it was a Chapter 7, or 12.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 ***?C: *** ***

November 8, 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 November 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 for review.Please feel free to contact our office directly if you need further assistance.Sincerely,*** *** *** *** *** *** *** *** *** *** ***

September 14, 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 September 2, regarding the
abovementioned consumer's personal credit reportWe 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 MaiL We 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 itern 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 assist Let 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*** *** ***

November 12,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
RE: *** *** ***
REF# ***
Complaint ID # ***
Dear Sir/Madam:
Our office recently received your correspondence of November 5,
regarding the above
mentioned consumer's personal credit profile
Today I contacted Ms*** directly by telephone and was able to confirm that the account in
question does not appear on her current Experian credit report We are in the process of providing
her with the Experian credit report 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 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
I have spoken with an attorney and he has informed me that a dismissed bankruptcy is NOT required to stay on my credit report based on the FCRAI am sorry, but I have no other option but to hire him and file a lawsuit against Experian if it is not removedI need Experian to provide me with the Agent authorized to accept service of process so they can be servedThank you
Regards,
*** ***

yes, I am allowing this claim on my behalf* ***

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
[First, I'm a male in gender and not a female.Second, My physical residence address is *** *** *** *** *** *** *** as shown on my latest utility bill attached.Third, this is a stall tatics that Experian is know for as I have proven to them already during several disputes attempts prior to the freeze request that this is "my" personal credit file.]
Regards,
*** ***

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
should have only inquiry not also transunion and equifax did the same but dfferent reasons
Regards,
*** ***

::::: ExperianNovember 20, 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 12,
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 *** *** ***

April 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 April 8, regarding the above
mentioned consumer's personal credit report.To assist you, we must verify the consumer's current delivery addressPlease send us 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, etcMake sure that each copy is legible (enlarge if necessary), displays the consumer's name and current mailing address, and the date of issue (statement dates must be recent)We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.Please forward the consumer's specific disputes along with the consumer's complete identification information including Social Security number previous addresses in the last two years and date of birth).Upon receipt of this information, we will process the consumer's request.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,*** *** *** *** *** *** *** *** *** *** *** *** ***

July 29, 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 July 22, regarding the above mentioned consumer's rebuttal of our response to his complaint.Our research indicates that no inquiries were removed from the consumer's credit as the result of an Experian reinvestigationFor this season, no re-insertion notification was sent to the consumer.By federal law, your personal credit report must list all organizations that have requested your credit history.If the consumer has additional information regarding the disputed information, please forward it directly to me.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***
*** *** ***

March 6, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office
recently received your correspondence of February 25, 20tregarding the abovementioned consumer'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