Experian

::::: ExperianNovember 20, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID # ***
REF# ***Dear Revdex.com.Our office recently received your correspondence of November 14,
regarding the above mentioned consumer's personal credit report.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 |D 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 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 *** *** ***

Thank you for your help following up my claim against Experian.
As of to date, dispute is already resolved
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be
satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

August 26, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Thank you for your recent correspondence of August 18, regarding the above mentionedconsumer's rebuttal of our response to his complaint.Our records indicate that we have previously investigated *** *** and *** Investigations were initiated 05/19/and 11/24/14respectivelyIn each instance, the information was verified as accurately reported and confirmationwas mailed to the consumer for review.Today I personally telephoned the *** *** at ***I was able to confirm thatthese liens were filed against the consumer on 03/08/in the amounts of $and $and todate both liens remain unpaid.Unpaid tax liens will remain on the personal credit report for up to years from the filing date, andpaid tax liens will remain for up to seven years from the filing date.If the consumer has divorce court documentation indicating that the liens are the responsibility of hisex-spouse, the consumer should contact the *** *** directly to determine how he canobtain a release from the liens.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, underthe FCRA, to add a 100-word statement specifying the nature of their disputeThe statement willappear with the item as long as the item remains on the credit report.Each national consumer credit reporting agency may interpret the requirements of the Fair CreditReporting Act differently and each company has their own policies and guidelines for disputinginformationTherefore, we cannot update or delete information in our database based on the resultsof a dispute with another consumer credit reporting agency nor can we dispute information for aconsumer with another consumer credit reporting agency.Any further concerns regarding the disputed information may need to be directed to the source,*** ***, *** ** *** *** *** ** ***, telephone ***.Thank you for allowing me to assist youPlease contact me directly at if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateConsumer Affairs Special Services*** *** ***

July 30, 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 20, 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 ***dit 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 AssociateConsumer Affairs Special Services*** *** ***

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 accepted this formulation to determine a clients credit scoreQuote; risk score is a mathematical summary of the credit history, sophisticated statistics and mathematical equation to calculate the summaryAnswer; numbers or values that are punched in by human beings and employees of your company. Quote; the score cannot be disputedAnswer; just because you think you are correct in your calculations and input doesn't make it error freeWith that being said, it is disputedYou are using information without first confirming the authenticity of the informationSimilar to a newspaper reporter writing a story without knowing where the information is coming from
Experian has not shown physical proof why my score went down with a perfect credit history. Experian needs to provide physical directions, charts, instructions, formulations as stated above, on how one with a perfect credit can obtain a 800plus ratingExperian controls the future of ones creditWhat one will pay in interest on a loan by the reporting and collecting information without confirming authenticityExperian is liableExperian's system in my opinion is designed to fail in there favor for the clients who employ them for reporting purposes
Example; As I aged I always paid in cashI was forced to get a credit card if I wanted to get a loan"perfect credit history no debt" and I have equity"The American Dream" I was forced to have a credit scoreI paid before the card due date and in full, direct deposit and so onSoExperian will need to show physical proof, what and how to formulate a perfect score, how many rotating account it takes for a perfect score? Time period for owning a loan? Liable for the information they are using as stated aboveIt seems no one knows the guidelines here
Regards,
*** ***

:::::: Experian&January 6, 2016Revdex.com Serving San Diego and Imperial Counties Viewridge Ave #San Diego, CA
92123RE: *** *** Your ID No.: ***
REF# ***Dear Better EUsiness Eureau.Thank you for your recent correspondence regarding the above mentioned consumerOur records indicate that we have contacted the data furnishers to verify the accuracy of the information with which the above mentioned consumer disagreesThe disputed information was verified as accurately reported and confirmation was provided to the above mentioned consumer for review.If the above mentioned consumer disagrees with the results of the reinvestigation, it is his legal right, under the FCRA, to add a statement specifying the nature of his disputeThe consumer statement will appear on his credit report and be viewable upon inquiryIf he would like our assistance in providing a concise statement, please have him contact us directly at the telephone number or address provided on his personal credit report and we would be happy to assist himHe may refer to the credit report that he received from Experian for the furnisher or public records office name, address, and phone number (if available)In addition, for more information regarding credit and frequently asked questions, he may Visithttp://www.experian.com/blogs/ask-experian.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*** *** ***

Dear Revdex.com:Our office recently received your correspondence of 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.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

March 12, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Los Angeles Revdex.com:Our office recently received your correspondence of March 12, regarding the above mentionedconsumer's rebuttal of our response to her complaint.We are presently investigating the *** *** *** #***xxxx, the *** *** ***#*** xxxx and the *** *** #***xxx accounts with which the consumerdisagreesUpon completion of this process, we will provide the results of our investigation directly tothe consumer.Regarding the *** *** account, our records indicate that we previously initiated investigationson 02/20/and 11/11/2014.Regarding *** ***, our records indicate that we previously initiated investigations on02/20/2015, 11/11/and 08/02/2013.*** *** *** ***, our records indicate that we previously initiatedinvestigations on 02/20/and 11/11/2014.Regarding *** *** *** our records indicate that we previously initiated investigations on02/20/11/11/and 05/26/2012.In each instance, the creditors verified the accuracy of the informationResults of each investigationwere provided directly to the consumer for review.If the consumer disagrees with the results of the reinvestigations, it is her legal right, under the FCRA,to add a 100-word statement specifying the nature of their disputeThe statement will appear with theitem as long as the item remains on the credit report.If the consumer has additional supporting documentation regarding the disputed information, pleaseforward it directly to me for review.When a consumer disputes the accuracy or completeness of information on their personal creditreport and tell us specifically why they believe the information is inaccurate or incomplete, we processthe dispute as required by lawWe contact the furnisher of the information or the vendor thatcollected the information from a public record source such as a court or other government officeWeask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of theinformation regarding the item the consumer disputed, and report back within days of the date thatwe received the request We review and consider the response to determine whether to accept it,reject it, or follow up for additional information.If we do not receive a response from the furnisher or the vendor within the required period, we updatethe item as requested or delete the information, and send the consumer the results If, afterprocessing, we find that the disputed information is inaccurate, incomplete or cannot be verified, wethen delete that information, or modify that information, as appropriate, based upon the dispute andthe results of our processingIn some instances, upon reviewing the credit file and any relevantinformation the consumer has submitted to us, we are able to determine whether the disputedinformation should be changed or deleted without having to contact the furnisher or the vendorAfterwe complete our processing, we send the consumer the results.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's rolein the dispute process is to review the accuracy and completeness of any disputed item which mayinclude 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 consumer creditreporting agency must offer to include a consumer statement on the personal credit reportTheFCRA does not require that the consumer credit reporting company obtain documentation such as theactual signed sales slips, signature cards, contracts, etc.; nor does it require that consumer creditreporting agencies act as mediators or negotiators in account disputes.Thank you for allowing me to assist youPlease contact me directly at ###-###-#### if you have anyquestions.Sincerely,*** ***Senior Regulatory Affairs Associate

Revdex.com Serving San Diego, Orange and imperial Counties Viewridge Ave., #200San Diego, CA 92123*** *** ** *** *** ** * *** *** ***Dear Revdex.com:Our office recently received your correspondence of April 10, 2017, regarding the above mentioned
consumer's personal Credit report.We are currently investigating the disputed Montgomery Ward account with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the Consumer.We have mailed a current Credit report directly to the consumer for reviewIf there is additional 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, 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 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, *** ***
*** *** *** *** *** *** *** ***
** *** ** ***

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 April 4, 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.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 resultsIf the results of the investigations are questioned, the consumer may want to contact the source of the information directlyThe Consumer can refer to the original personal Credit report for the Source business 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 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 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.The Consumer Financial Protection Bureau (the government agency charged with enforcement of the FCRA) does not require that the consumer Credit reporting company obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer Credit reporting agencies act as mediators or negotiators in account disputes.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 Experian Consumer Affairs 214726***CC *** ** ***

:::::: ExperianDecember 15, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint # ***Ref # ***Dear Eetter EUsiness Bureau:Our office recently received your correspondence dated December 7, 2015, 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.Mr*** may want to contact the creditors involved in this situation to explain the circumstancesThey may request for your client to complete an affidavit of fraud so they may further investigate the disputed accountsAdditionally, it may be in your client's best interest to file a police report regarding this situationOnce filed, please forward a copy to my attention for retention in the consumer's file.A Security Alert has been added to Mr***'s credit reportThis message, which will expire after seven years, alerts credit grantors to verify your client's identification in case someone is using their information without their consentAs an additional precaution, we have removed your client's name and address from prescreened offer mailing lists for six monthsFor the consumer's convenience, we will share this security alert request with the other national credit reporting agencies, Equifax and Trans Union.|f| may be of further assistance, please contact me directly.*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***Sincerely,

:::::: ExperianJanuary 12, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID # ***REF# ***Dear Better Business Eurea.Our office recently received your correspondence of January 5, regarding the above mentioned consumer's rebuttal of our response to his complaint.We are continuing the investigation of information based upon your request of December 18, Investigations can take up to to days to reach a conclusionUpon completion of this process, we will provide the results of our investigation directly to the consumer.If the consumer has additional information regarding the disputed information, please forward it directly to my attention for review.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 *** *** *** * *** ***

Dear Revdex.com:Our office recently received your correspondence dated August 9, 2017, regarding the above mentioned consumer's personal Credit report.Experian is committed to the protection of each consumer's privacyTherefore, we disclose the personal credit report only to the
requesting consumer who is the subject of the informationWe are in the process of providing the current personal credit report to the consumer for review.Thank you for allowing us to assist you in this matter.Sincerely,*** *** Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

Dear Revdex.com:Our office recently received your correspondence of August 31, 2017, regarding the above-mentioned consumer's personal credit report.We are currently investigating the disputed bankruptcy information with which the Consumer disagreesUpon completion of this process, we
will provide the results of our investigation directly to the Consumer.Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough the Court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).When a consumer disputes the accuracy or completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that Collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the Credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the Consumer the resultS.In addition to the consumer's right to dispute information in the credit file with the Credit reporting agencies, the consumer also has the right to dispute information in the Credit report directly with the furnisher of the information.if the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, and phone number (if available) 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 *** ***

Good afternoon,Yes the following company has permission to act on my behalf: *** *** ***Thank you

Yes there is a third party working on this complaint cre credit service*** ***

Yes there is a 3rd party working on my behalfThank you

Complaint ID: ***To whom it may concern, Yes I *** *** **DO know that I have a third party company working on my behalf filling this complaintPlease follow through with whatever actions are required as per *** *** ***Please advise if this is not
sufficient. *** *** ***
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July 15, 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 7, 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

::::: ExperianNovember 11, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # ***REF # ***Dear Revdex.com.Our office recently received your correspondence of November 2,
regarding the above mentioned consumer's complaint.We have mailed a current credit report directly to the consumer for review.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, 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 *** *** ***