Experian

Good afternoon! I, [redacted] , authorize [redacted] , located at [redacted] TX 75074, to handle this complaint for me Thanks in advance! [redacted]

July 25, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of July 15, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher of the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***

June 14, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com.Our office recently received your correspondence of June 6, 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.Our records indicate that the disputed [redacted] accounts do 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, [redacted]

September 8, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave , #200San Diego, CA 92123RE [redacted] ***REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of August 26, regarding 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 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 information If, 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, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***

June 19, 2015Better Business BureauServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Ref#: [redacted] Complaint#: [redacted] Dear Revdex.com:Our office recently received your correspondence dated June 10, 2015, regarding the abovementioned consumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we willprovide the results of our investigation directly to your client.Regarding our investigation process, Experian contacts the source of the disputed information directlyby letter, telephone, or through an automated verification systemWe ask the source to check theirrecords to verify all of the information regarding the item questioned, and report back to us within 30days of the date that we received the consumer's requestOnce we receive their response, we sendthe consumer the results of the investigationIf we do not receive a response within days weupdate 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 disputeprocess is to investigate the information to determine the accuracy and completeness of any disputeditem by contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's disputeIf the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit reportThe FCRAdoes not require that the consumer reporting agency obtain documentation such as the actual signedsales slips, signature cards, contracts, etc.; nor does it require that consumer reporting agencies actas mediators or negotiators in account disputesPlease forward any documentation directly to thecreditor for review.Please refer to the original Experian personal credit report for the business name, address, and phonenumber (if available) of the source that verified the information.If I may be of further assistance, please contact me directly.Sincerely, [redacted] Senior Regulatory Affairs Associate

HelloI gave my authorization to [redacted] behalf of me to represent me Thank you [redacted]

June 21, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com.Our office recently received your correspondence of June 13, 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 me directly if you have any questions.Sincerely, [redacted]

March 24, 2015Revdex.comServing San Diego and Imperial Coun1iesViewridge Ave., #200San Diego, CA 92123RE: [redacted] REF #: [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of March 17, regarding the above mentionedconsumer's complaintAn Extended Security Alert has been added to the consumer's credit reportThis message, which willexpire after years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consentWe have mailed a current credit report directly to the consumer for reviewIf there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdisputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent orincluded in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed inerror"If the status dates, amounts, balances or other specific data is incorrect, the consumer shouldalso indicate what the correct information should bePlease specify the item or account name andnumber.Please provide the consumer's specific disputes along with their complete identificationinformation (Social Security number, full name, current address, previous addresses in thelast two years and date of birth)Also, please include one copy of a government issuedidentification 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 meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly at ###-###-#### if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

May 20, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of May 12, regarding the above-mentionedconsumer's complaintWe 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 collectedthe information from a public record source such as a court or other government officeWe ask thefurnisher or the vendor to conduct a thorough and complete investigation to verify all of theinformation regarding the disputed item, and report back within the time frame required by lawWereview and consider the response to determine whether to accept it, reject it, or follow up foradditional 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, asappropriate, based upon the dispute and the results of our processingIf we do not receive aresponse from the furnisher or the vendor within the required period, we update the item as requestedor 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 vendorAfter we complete ourprocessing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reponingagencies, 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 narne, 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 me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Dear Revdex.com:Our office recently received your correspondence of July 19, regarding the above mentioned Consumer's personal Credit report.By federal law, the personal credit report must list all organizations that have requested your Credit historyIn accordance with the Fair CreditReporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit informationFor example, organizations that have granted you creditor with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit reportRequests for your credit history remain on the personal Credit report for at least two years.Inquiries from credit grantors who request your credit information as part of your application for Credit will display under the heading "Inquiries shared with others" on your personal Credit reportThese inquiries display on your Credit report when it is accessed by others with a permissible purposeThese inquiries may affect your credit scoreOther inquiries for your credit information are considered "soft" inquiries and do not affect your credit scoreSome examples are: your current Creditors to monitor your accounts, other creditors who want to offer you preapproved Credit, an employer who wishes to extend an offer of employment, a potential investor assessing the risk of a Current credit obligation, an end user to complete your mortgage loan application, and insurance underwriting (auto or home)These inquiries appear under the heading "Inquiries shared only with you" on your personal credit report and are not seen by anyone but you (except insurance companies may be able to see other insurance Company inquiries).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, [redacted] Senior Regulatory Affairs Associate

December 05, 2014Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] ***REF# [redacted] & [redacted] Complaint ID [redacted] Dear Revdex.com:Our office recently received your correspondence of December 1, regarding 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.If the consumer has additional information regarding the disputed account, please forward it directly tomy attention for review.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, [redacted] Senior Regulatory Affairs Associate

[redacted] Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questionsSincerely, [redacted] ***Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted] ***

April 25, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of April 17, 2017, regarding the above mentioned consumer's personal credit report.To assist you, we must verify the consumer's current delivery addressPlease send us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etcMake sure that each copy is legible (enlarge if necessary), displays the consumer's name and current mailing address, and the date of issue (statement dates must be recent)We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.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, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs 214726***CC [redacted]

April 24, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of April 15, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below This is incorrect!!! [redacted] is the current servicer! [redacted] sold/transferred these loans back in How difficult is this to resolve? Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [I have received a credit report from experian , which decided to keep [redacted] funding on experian public credit report until may However, transunion and equifax have remove [redacted] funding from the public record on my public credit reportI also sent transunion and equifax the same documents I sent to Revdex.com and experian.] Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I appreciate Mr [redacted] from Experian [redacted] Bureau however, he did not give me his complete ph [redacted] number to call him on his letter it only has nine digits for the ph [redacted] number in his letter the teleph [redacted] number appears as [redacted] missing the last digit for the contact number for Mr [redacted] Regards, [redacted]

March 3, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID #: [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of February 23, 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 CreditReporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's 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, Katie ROSSSenior Regulatory Affairs Associate Experian Consumer Affairs ***CC: [redacted] N [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Thank you for this help, I disagree with Experian's response, I have furnished them a copy of my police report stating I have been a victim of identity theft and I also informed Experian on several occasions of this account which does not belong to me, I have any knowledge of this account what so everExperian keeps advising this account is validated but fails to show me what proof of validation was received for myself to review alsoI will upload the police report which was furnished to Experian last year which they stated they never received on 9/24/2017...this police report will be uploaded again for them to have on file Regards, [redacted]

Yes, there is a Third party working on my credit[redacted] * [redacted]