Experian

Yes! There is a "Third Party" working on my credit *** *** *** is the "Third Party"Thank you.*** * ***

June 25, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** ***REF #: ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of June 17, regarding the above mentionedconsumer's second rebuttal of our response to his complaint.Today I attempted telephone contact with Mr*** and left a detailed message with my contactinformationIf Mr*** continues to have questions or concerns regarding his Experian creditreport, he may call me directly at ###-###-#### and I will assist him in any way that I can.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, wemust have a specific disputeWe are unable to investigate inaccurate information on the credit reportwithout knowing which item or account is inaccurate along with the specific nature of the inaccuracy.Please specify the item(s) or account name(s) and number(s) along with the specific dispute(s).Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

Dear Revdex.com:Our office recently received your correspondence of August 8, 2017, 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, *** ***Senior Regulatory Affairs AssociateExperian Consumer Affairs

RE ** *** Complaint ID #***REF ***Dear Revdex.com.Our office recently received your Correspondence of August 9, regarding the above mentioned Consumer's rebuttal of our response to his complaint.Our records indicate that we previously initiated investigations of *** account # *** on O3/08/16, O3.29.16, 05/25/and 9/15/16.In each instance, the Creditor verified the accuracy of the informationResults of each investigation were provided directly to the Consumer for reviewBecause the Creditors Confirmed the accuracy of the disputed information, we must respectfully decline the Consumer's request to remove the account from the Experian credit report.If the consumer disagrees with the results of the reinvestigations, it is their 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 will need to be directed to the sources of the informationThe Consumer may refer to their original personal credit report for the furnisher's address and phone number (if available).If the consumer has any additional supporting documentation regarding the disputed information, they may forward it directly to me for review.Our records further indicate that we mailed the Consumer the requested federal Fair Credit Reporting Act (FCRA) mandated method of verification on 5/25/16, 8717/16, 9/13/16, 9/15/and today.To insure receipt, the requested information is as follows: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 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 verify all of the information regarding the item disputed, and report back within days of the date that we received the request (days for Maine residents and days for disputes of information on an annual free Credit report)We 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 your 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, and send the Consumer the resultsIn some instances, upon reviewing the Credit file and any relevant information the Consumer may have 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 vendor.After we complete our processing, we send the Consumer the resultsIn addition to the Consumer's right to dispute information in their 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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,Michael Lonergan Senior Regulatory Affairs Associate

July 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 July 8, regarding the above mentioned
consumer's personal credit report.Our records indicate that we have contacted the data furnisher(s) to verify the accuracy of the information with which the consumer disagreesThe disputed information was verified as accurately reported and confirmation was mailed to the consumer for review.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 vendorAfter we complete our processing, we send the consumer the results.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 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 Associate Consumer Affairs Special Services ***

September 1, 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 August 24, 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 andUmber.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, 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 you for allowing me to assist youPlease Contact me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** ***

Our office recently received your correspondence of Segiember 27, 2017, the above-rrEntioned consumer's personal credit reportWe are currently 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 completeæss 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 tre furnisher of the inforrnation or the vendor that collectedthe information from a public record source as a court or other governrrent office eitherelectronically or by US MailWe ask the furnistEr or vendor to conduct a thorough and complete investigation to verify all of the information regarding tre disputed item, and report back within thetirne frame required by lawWe review and consi&r the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processirg, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modifythat information, as appropriate, based upon the dispute and the results of our processingIf we donot receive a response from the furnisher or the vendor within the required period, we update the itemas 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 informationshould be changed or deleted without having to contact furnisher or the vendorInvestigations can take as long as days to reach a conclusion After we complete our processing, we send theconsumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consunv also has the right to dispune infom•ztion in the credit report directly with thefurnisher of the information.If the consurner questions tre results of the dispute process, then they may want to contact the furnisher of the information directly or review the original inforrnation in the public recordPleaserefer to the original persoral credit report for the furnisher or public records office narre, address, and phone number (if available)According to tre Fair Credit Reporting Act (FCRA), a national consurner 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 fumisher of the information or the vendor that collected the information from apublic record source, such as a court or other government office, notifying them of disputed information and disclosing all relevant information regarding the consumer's dispute.In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consurner with the dispute and will forward such documents to the furnisher ifExperian 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 consurner credit reporting agency must offer to irwlude a consumer statement on the personal credit reportExperian strives to achieve a high level of customer service for all consumers they assistLet me assure you that Experian takes its commitrrent to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs*** *** ***

October 29, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID # ***Dear Revdex.com.Our office recently received your correspondence of October 22, regarding the above
mentioned consumer's personal credit report.Our records indicate that the disputed information 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 *** *** ***

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

May 9, 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 April 28, regarding the above mentioned consumer's rebuttal of our response to his complaint.Our records indicate that we have previously investigated *** *** *** account # *** on 03/05/2016, 09/03/and 06/01/In each instance, the creditor verified the accuracy of the informationResults of each investigation were provided directly to the consumer for review.Our records further indicate a status date of April 11, 2016, reported to us on the same dateToday | contacted the creditor directly at ***Unfortunately they were not able to discuss the account with me without the consumer's signed authorizationThe consumer's authorization can be faxed to ***, attention *** ***They were able to confirm that they do report and verify accounts to credit reporting agencies.Because the creditor confirmed the accuracy of the disputed information, we must respectfully decline the request to remove the account from the consumer's Experian credit report.When a consumer disputes the accuracy or completeness of information on their personal credit report and tellus specifically Why they believe the informationis 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 item the consumer disputed, and report back within days of the date that we received the request We review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf 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, and send the consumer the results if, 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 processingIn some instances, upon reviewing the credit file and any relevant information the consumer has 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.If the consumer disagrees with the results of the reinvestigations, it is his legal right, under the Fair Credit Reporting Act (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 will need to be directed to the sources of the informationThe consumer may refer to her original personal credit report for the furnisher address, and phone number (if available).According to the 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 disputeIn order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumes 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.If the consumer has 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 Consumer Affairs Special Services *** *** *** *** ***

:::::: ExperianMarch 1, 2016Eetter BUSiness Eureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # ***
REF# ***Dear Better Business Eureau.Our office recently received your correspondence of February 22,
regarding the above mentioned consumer's 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.Experian strives to achieve a high level of customer service for all the consumers they assist Let 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.***
*** *** Senior Regulatory Affairs

4-17-I, *** ***, do grant the 3rd party company, *** *** *** *** ** *** * *** *** *** *** ** *** *** *** ***, authorization to file this complaint on my behalfThank You

Dear Revdex.com:Our office recently received your correspondence of July 6, 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.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.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,*** *** Experian Consumer AffairsSenior Regulatory Affairs Associate

Dear Revdex.com:Our office recently received your correspondence of July 19, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the chapter 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).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 discharged.The 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.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the credit file and any relevant information Submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, *** ***

Revdex.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 June 6, 2017, regarding the above mentioned
consumer's personal credit report.If 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.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 Experian Consumer Affairs ***

Dear Beter Business Bureau:Our office recently received your correspondence of September 25, regarding the above-mentioned consumers rebuttal of our response to their complaint.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 drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.We understand the consumer's concern and hope we can answer their questions regarding this matter.Equifax announced on September 7th that they recently discovered a data breach in their system that affected a large number of consumersAs with any data breach this is an unfortunate situation forimpacted consumersTo be clear, this is an Equifax incident and unrelated to Experian We 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 consumer may contact Equifax at 866-447-7559.Not everyone will be a victim of identity theft as a result of a breach, but keeping informed can help the consumer mitigate risk when dealing with any data breachWhen a breach does occur, theconsumer can take action by doing a few things.Stay alert: If the consumer has been part of a data breach: the breached company may send them a noticeRetain all documents and consider any suggestions they may haveAlso, pay attention to and retain any mail they receive that is unfamiliar to them, such as notices from the IRS regarding their taxes or any bills from unknown lenders.Initiate a Fraud Alert: When a consumer fears fraud may have occurred, but aren't sure, an initial security alert warns lenders that the consumer may have been a fraud victim, and asks them to take extra precautions before granting a line of credit in the consumer's nameConsumers can set a fraud alert with ExperianWhen the consumer request a fraud alert be added with any of the three major credit bureaus, the bureau they contacted will notify the other two and alerts will be added with those bureaus as well.Monitor financial accounts: The consurrer can visit their or-dine bank and financial accounts, and set up any alert features they may have, f the consumer has not already done soThis could help savethem some time and keep them notified of any unusual when they occur.Monitor credit reports: The consumer can check their credit for free once every twelve months by visiting AnnualCreditReportcom Checking credit reports elp the consumer identify anyunusual activity such as new accounts, new personal information or inquiriesExperian free credit report members can check their Experian credit report for free y days on sign in.The consurner may also consider in identity theft protection to help safeguard their personal informationFor more information regarding the corEunner's credit and frequently asked questions, they may visit:http://www experian.com/blogs/ask-experian/category/blog/protecting-your-identity/Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,
*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs *** *** ***

:::::: ExperianJanuary 26, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** ** *** Complaint ID ***REF# ***Dear Eetter Business Eureau.Our office recently received your correspondence of January 22, regarding the above mentioned consumer's rebuttal of our response to his complaint.The consumer states that Experian is "using information without first confirming the authenticity of the information'' to calculate the score.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).Thank you for allowing me to assist youPlease contact me directly at *** if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***C? *** ** ***

May 4, 2016Revdex.com 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 26, 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,

June 24, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123*** *** *** *** ** *** ***
Dear Revdex.com.Our office recently received your correspondence of June 16, 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,*** *** *** *** *** *** *** *** *** *** *** *** ***

I submitted a wrong report from another screen when I was using the online FTC website because they keep your reports on file and I accidentally printed and sent the wrong one not knowing that you have to create a new FTC Affidavit when referring to a different accountThis was a human mistake and it was not necessary for Experian to continue to try to claim that I purposely sent in a fraudulent Affidavit when I did notIt's hard enough fighting to keep my credit in tact; with identity fraud and yet to be treated wrongfully by one of the credit reporting agencies when you are trying to correct matters is highly unprofessional and inappropriate and I do not like being threatened by anyone let alone a company like Experian who is suppose to assist me professionally with matters such as this. Additionally, I have been working with a Detective in the Fraud Department here in *** *** so please stop trying to threaten me with an Affidavit that was wrongfully sent to youI admit it was my mistake. I have my correct documentation and Experian can contact the FTC using my my *** ***. Also, I am not disputing the *** *** accountI was disputing their credit inquiries for March and January I never requested credit from them for these inquiries to be listed on my credit reportExperian is misunderstanding the nature of my disputeIt's about the inquiries -- not about the account. The account is mine and I am not disputing the account for *** ***I am disputing the inquiries.I have also filed several valid and correct police reports that lists the names of the person(s) that stole my identity and I have provided all this information to all credit reporting agenciesI also filed Civil and Criminal charges and was awarded judgments against the person(s) as well and I sent that information to the credit bureaus as well. No one should have to go through all this to be mistreated by a credit reporting agency and that is exactly what Experian is doingPay attention to the information and stop trying to overlook that people can make a mistakeIt's alot to deal with when someone steals your identity and you have no idea how it happened, so dealing with that is more than enough for me right now and all I am trying to do is remove wrong accounts
Thank you,
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