Experian

:::::: ExperianMarch 11, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint # ***Ref # ***Dear Eetter EUsiness Bureau:Our office recently received your correspondence dated March 1,
2016, regarding the above mentioned consumer's Experian 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.*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***
Sincerely,

RE: *** ** ***REF#: *** Dear Revdex.com:Complaint ID # ***Our office recently received your correspordence of SeFiember 5, 2017, regarding trp above-mentioned consumer's personal credit profile.I spoke with the consumer directly on September 21, 2017, by telepN)re
I was able to inform Ms*** of the personal inforrnation needed to add a Security Freeze to her Experian credit reportI provided her with our fax number so may send the irformation in writing since she did not wish toprovide the inforrnation over the teleptwne.If Ms*** has additional questions or regarding her credit report in the future, she may contact directly and I will assist her in any way that I can.Equifax announced on September 7th that they recently discovered a breach in their system that affected a large number of consumersAs with any data breach, this is an unfortunate situation forimpacted consurnersTo be clear, this is an Equifax incident and unrelated to ExperiaroWe have no indication, nor any reason to believe we were affectedHowever, we stand ready to support impacted consumers as needed.For specific information regarding this data breach, the corsumer may contact Equifax at 866-447-7559.Not everyone will be a victim of identity theft as a result of a breach, but informed can help the consurner mitigate risk when dealing with any data breachWhen a breach does occur, the consurner can take action by doing a few things.Stay alert: If the consumer have been part of a data breach, typ breached company may send them a noticeRetain all documents and consider any suggestiors they haveAlso, pay attention to and retain any nuil they receive that is unfamiliar to them, such as notices from tte IRS their taxes or any bills from unknown lenders.Monitor financial accounts: The consurner can visit their online bank and financial accounts, and set up any alert features they rnay have, if the consumer has not already done soThis could help savethem some tirne and keep them notified of any unusæl events when trey occur.Monibr credit reports: The consum• can check their credit report for free once every twelve months visiting AnnualCreditReportcomChecking credit reports can help the consumer identify anyunusual activity, such as new accounts, new personal information or inquiriesExperian free credit report owners can check their Experian credit report for free every days on sign in.Also, if the consurner is already a rrpmber of Experian IdentityWorksTM, they can lock and unlock their Experian credit report at any tirne.For rrMe information regarding their credit and frequently asked questions, the consurer may visit: http://www.ex pe rian.corn/blogs/ask-experian/categ)ry/blog/protecting-your-identity/Experian strives to achieve a high level of custorner service for all the consurners they assistLet me assure you that Experian takes its commitrnent to efficient, expeditious service seriouslyThank youfor allowing me to assist you Please contact our office if you have any questions. *** ***
Senior Regulatory Affairs Associate Experian ConsumerAffairs*** *** ***

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 resolvedI talked to *** todayThey seem to have a problem with records that they are trying to resolveWhat a mess
Regards,
*** ***

RE *** *** Complaint ID #***REF ***Dear Revdex.com.Our office recently received your correspondence of September 30, regarding the above mentioned Consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon
completion of this process, we will provide the results of our investigation directly to the Consumer.If your bankruptcy was dismissed or withdrawn, it appears on your personal Credit report because every action that relates to credit may become part of your credit historySo even though the court did not allow the completion of your bankruptcy, the fact that the case was documented allows it to appear on your personal credit reportThe bankruptcy dismissed withdrawn status will remain on your report for seven years from the filing date.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

December 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 December 19,
regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or Completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe Contact the furnisher of the information or the vendor that Collected the information from a public record source such as a Court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and Complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the 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,*** *** MCE Experian Consumer Affairs Senior Regulatory Affairs Associate ***CC *** ***

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: *** ***

August 20, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***ID # ***Dear Revdex.com:Our office recently received your correspondence of August 11, regarding the above
mentionedconsumer's personal credit report.Our records indicate that the disputed information does not appear on the consumer's currentExperian credit reportWe have mailed a current Experian credit report directly to the consumer forreview.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateConsumer Affairs Special Services*** *** ***

RE: ***REF#: *** Dear Revdex.com:Complaint ID # ***Our office recently received your correspondence of September 25, 2017, the above-mentioned consumers rebuttal of our response to their complaint.Our records indicate that we previously investigated the ** *** ** ** *** *** on 07/25/and 09/07/In each instance our vender confirmed the accuracy of the information as reported.Judgments, Tax Liens and Bankruptcies are a matter of public recordAthough 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's method of verification for public records complies with the requirements of the Fair Credit Reporting Act (FCRA).Because the information was confirmed accurate, we must respectfully decline the consumer's request to rernove the disputed information from their Experian credit report.If the consurner has any additional supporting documentation regarding the disputed information, they may forward it directly to me for review.Thank you for allowing me to assist youPlease contact r-rE directly f you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateExperian Consumer Affairs*** *** ***

Yes I did authorize this to be done on my behalf

April 8, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID #
***Dear Revdex.com:Our office recently received your correspondence of March 31, 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

June 8, 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 May 31, regarding the above
mentioned consumer's personal credit report.Our records indicate that the disputed *** *** *** account does not appear on the consumer's current Experian credit reportWe have mailed a current Experian credit report directly to the consumer 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 *** *** *** *** ** ***

SEE ATTACHED.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 directly if you have any
questions.Sincerely,*** ***
Senior Regulatory Affairs Associate Experian Consurner Affairs*** *** ***

Dear Revdex.com:Our office recently received your correspondence of July 18, regarding the above mentioned consumer's rebuttal of our response to her complaint.Our records indicate that we previously investigated the USBKPTCT OHCINCINNA #***BAB on 07/06/2017, 06/26/2017, 06/01/and 04/21/In each instance our vender confirmed the accuracy of the information as reportedAlthough 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's method of verification for public records complies with the requirements of the Fair Credit Reporting Act (FCRA).My review of the public record documents on file at the US Bankruptcy Court in Cincinnati, OH indicates the item is accurate as it appears on the Experian Credit report: a Chapter Bankruptcy filed by the consumer on 09/15/and discharged on 12/21/The documents also confirm the consumer's full name, last digits of her Social Security number and address at the time offiling, her current addressUpon request, we will provide the bankruptcy documents to the consumer for review.Because the information was confirmed accurate, we must respectfully decline the consumer's request to remove the disputed information from her Experian credit report.If the consumer has any additional supporting documentation regarding the disputed information, they may forward it directly to me for review.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** ** *** ** *** *** Senior Regulatory Affairs Associate Experian Consumer Affairs *** *** *** ** ***

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*** *** ***

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Experian only does a set of things they are told from a book they are not actually researching anythingIf they did their jobs it should have been removed just as equifax and transunion have long done ]
Regards,
*** ***

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

January 15, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** *** ***REF# ***Complaint ID ***Dear Revdex.com:Our office recently received your correspondence of January 7, 20tregarding the
above mentionedconsumer'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 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 submi11ed to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

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

I give consent for the complaint to go forward.It was sent by *** *** ***
*** * *** *** *** ***
*** ** *** ***