Experian

August 2, 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 25, regarding the above mentioned consumer's rebuttal of our response to his complaint.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeWe are unable to investigate inaccurate information on the credit report without knowing which item or account is inaccurate along with the specific nature of the inaccuracyPlease specify the item(s) or account name(s) and number(s) along with the specific dispute(s).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 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).According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from 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.Thank you for allowing me to assist youPlease contact me directly at *** if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***
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May 3, 2016Revdex.com Serving San Diego and Imperial Counties Viewridge Ave #San Diego, CA 92123RE: *** *** Complaint ID: *** REF# ***Dear RevDex.com.Thank you for submitting your complaint dated 04-25-2016, regarding the above mentioned
consumerWe appreciate that your office took the time to let us know about their experience with our company.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 additional assistance, the consumer may call me directly at ***, or write to Experian at P.O Box 1240, Allen, TX 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 *** *** ***

:::::: ExperianJanuary 27, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID # ***REF# ***Dear Better EUsiness Eureau.Our office recently received your correspondence of January 25,
regarding the above mentioned consumer's personal credit report.An Initial Security Alert has been added to the consumer's credit reportThis message, which will expire after days, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.We are currently investigating the Professional Services account with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the(:C)?]????]??.If the consumer has additional information regarding the disputed account, for example an Identity Theft Police Report, please forward it directly to me.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 ***(CC *** ***

Dear Revdex.com:Our office recently received your correspondence of June 6, regarding the above mentioned consumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be
inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item or account name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, Current address, previous addresses in the last two years and date of birth)Also, please include one Copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.According to the Fair Credit Reporting Act (FCRA), a national Consumer Credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from 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 disputeIn 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,Michael Lonegan Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC*** ***

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 *** *** *** ** ***

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

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*** *** ***

April 18, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE*** *** Complaint # ***Ref # ***Dear Revdex.com.Our office recently received your correspondence dated April 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,

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
*** *** ** *** *** *** *** *** ** *** *** *** *** *** *** *** * ** *** To Whom It May Concern: My name is *** *** and I have recently received the results from your previous "investigation" of the incorrect information that is reporting on my credit reportIn addition I have been corresponding directly with the creditor and or collection agency and they too are unable to verify the information they are reporting to youIt is clear at this point that the information being reported to you is not being supplied legallyThe below items cannot be determined to be verified, accurate or completeThe proper documentation has yet to be supplied and the proper amount of time has been given in accordance with the FCRAI am now demanding these items be removed until you are able to do soI am also demanding updated copies of my credit report reflecting the changes, along with who you spoke with and their contact information*** *** *** *** *** ** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** ** *** *** *** *** *** *** *** *** ** *** *** *** *** *** *** *** *** *** *** *** *** *** ***

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,
*** ***

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,
*** ***

I give consent for the complaint to go forward.It was sent by *** *** ***
*** * *** *** *** ***
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I, *** ***, living at *** *** *** *** Texas 78721, give consent to file this complaint on ExperianThe third party company *** *** *** sent this request/compliant on my behalf with my permission If you have any other questions or concern please feel
free to ask

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*** *** ***

December 1, 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 21, regarding
the above mentioned Consumer's personal Credit report.An Extended Security Alert has been added to the consumer's Credit reportThis 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.Based upon the documentation provided, we have blocked the fraudulent items from the Consumer's Experian Credit report and notifying the respective Creditors of our actionsUpon Conclusion of this process we will provide the results 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,*** *** *** *** *** *** *** *** *** *** *** *** ***
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Dear Revdex.com:Our office recently received your correspondence of August 24, regarding the above mentioned consumer's rebuttal of our response to her complaint.Using the identification information you provided, we are unable to locate a Credit record for the above-mentioned consumerThe consumer either has no credit history or additional identification information is needed in Order to access the Credit informationPlease forward the Consumer's specific disputes along with the consumer's complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth).Please include one copy of a government issued identification card, such as a driver's license, state ID card, etcand one copy of a utility bill, bank or insurance statement, etc.Thank you for allowing me to assist youPlease contact me directly if you have any questions.*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

Dear Revdex.com:Our office recently received your Correspondence of September 6, 2017, regarding the abovementioned consumer's rebuttal of our response to their complaintWe have mailed a current credit report directly to the consumer for reviewIf the consumer has additional information regarding disputed information, pease 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.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 of 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 disputeIn 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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs AssociateExperian Consumer Affairs *** ***

July 21, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear RevDex.com:Our office recently received your correspondence of July 14, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find 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

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
Regards,
*** ***

Thank you for the inquiryYes, It is being investigated by *** *** ***Best Regards,*** ***