Experian

Ave., #200San Diego, CA 92123http://consumermediationservices.comRE: *** *** Complaint ID # *** REF #: ***Dear Revdex.com:Our office recently received your rebuttal of March 6, 2017, regarding the above mentioned Consumer's complaint.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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***On behalf of *** *** Senior Regulatory Affairs Associate Experian Consumer Affairs 2147264159CC*** ***

RE: *** *** Complaint ID # *** REF #: ***Dear Revdex.com:Our office recently received your rebuttal of March 29, 2017, regarding the above mentioned consumer's complaint.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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC *** ***

April 26, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE*** *** Complaint # 11393792Ref # 126387059Dear RevDex.com.Our office recently received your correspondence dated April 18, 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,

SEVERAL SUPPORTING DOCUMEMENTS ENCLOSED TO SUPPORT MY CASE AND IN TRANSUNION LETTER THEY CLEARLY STATE THE LAW ON STATUE OF LIMITATION ON A CHARGE OFF ACCOUNT AND IF I NEED TO I WILL GET LETTERS FROM THE BANK AND OTHER CREDITORS SHOWING THAT I OPEN SEVERAL ACCOUNTS LAST YEAR AND THERE WOULD BE NO WAY I COULD DO THAT IF MY SCORE WAS A AS IT HAS BECOME SINCE JAN BECAUSE OF THE *** ** *** UPDATE ON A ALMOST YEAR OLD ACCOUNT.MY MAILING ADDRESS IS ON ONE OF THE CREDIT REPORTS*** ***

August 11, 2016RevDex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123** *** *** *** ** *** ***Dear RevDex.com.Our office recently received your correspondence of August 4, regarding the above mentioned consumer's rebuttal of our response to his complaint.Our records indicate that we previously initiated investigations of *** *** *** on 12/24/and again on 6/9/2016.In each instance, the creditor verified the accuracy of the informationResults of each investigation were provided directly to the consumer for reviewBecause the creditor confirmed the accuracy of the disputed information, we must respectfully decline the consumer's request to upsdate the accounts to a paid in full f never late status.A "Charge off status means that the credit grantor wrote the balance on the account off as a bad debtThe account and the payment history will remain on the personal credit report for seven years from the initial missed payment that led to the charged-off statusIf the account is transferred, the status will reflect as a "transferred charge-off.”The creditor that this account was transferred to does not appear on the consumer's current 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 her 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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***
*** *** ***

I *** ***a authorize this complaint, The third pary doing it on my behalf is CRE credit services *** * *** *** *** *** *** *** ***

YesI have a third party working with me on my credit.thanks,*** *** ***

July 21, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123*** *** *** *** *** ** *** * ***Dear Revdex.com.Our office recently received your correspondence of July 13, 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.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 at *** 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 May 10, regarding the above mentioned consumer's rebuttal of our response to their complaint.According to our records, we added an initial Security Alert to the consumer's Experian Credit report on April 29, This message, which will expire after days, alerts credit grantors to verify their identification in case someone is using their information without their consentIf the consumer wishes to add a new alert, they may contact us again when the current alert is due to expire.We are currently investigating the disputed information as being fraudulentUpon completion of this process, we will provide the results of our investigation directly to the consumer for review.Our records do not indicate that we have received a police report from the consumerIf the consumer has obtained a valid identity theft police report (an official report filed with an appropriate federal, state, or local law enforcement agency), please forward it directly to me for review.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, *** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
I've written up to four letters and each time they were all certified letters which cost me additional money to ensure that they did receive it.Over this period of time which has been six months I've asked for proof and or a contract with these companies and I've yet to receive proper validation.From my understanding a bill isn't proper proof.Do to the company not checking to make sure the information on my report is true I would like for it tI be removed immediately I DO NOT have a contract with portfolio recovery nor do I have a contract with receivable performance I've never done any business with these companies.This negative information on my report is causing me issues where I can't move forward in life to better myself

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

April 28, 2015Better Business-BureauServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Better Business Burea:Our office recently received your correspondence of April 20, regarding the above mentionedconsumer's rebuttal of our response to his complaint.Based upon your correspondence of April 8, 2015, we are investigating the information with which theconsumer disagreesInvestigations were initiated on April 16, Upon completion of theinvestigation 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 itdirectly to my attention for review.Thank you for allowing me to assist youPlease contact me directly at ###-###-#### if you have anyquestions.Sincerely,*** ***Senior Regulatory Affairs Associate

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[THIS HAS BEEN IN EXPERIANS ATTENTION OVER DAYSI HAVE CONTACTED THIS ACCOUNT HOLDER *** *** AND THEY DO NOT HAVE THE FCRA REQUIREED REPORTING DOCUMENTSNO MATTER IF EXPERIAN SAYS THEY HAVE TO INVESTIGATE OR NOT THEY CAN NOT KEEP INVESTIGATING WHEN THE FCRA REQUIRED ITEMS ARE NOT PROVIDED TO ME THE CONSUMER AND EXPERIAN CAN NOT LIE AND THEY SAY THEY PROVIDED PROOF TO THEM EITHER BECAUSE THEY DO NOTO HAVE ITEXPERIAN IS CONTINUING TO KNOWINGLY AND WILLFULLY PLACE THIS ACCOUNT ON MY CREDIT IN CLEAR VIOLATION OF THE FCRAI HAVE PROVED THIS ACCOUNT IS NOT SUPPORTED BY DOCUMENT AND IF EXPERIAN SAYS THEY VERIFIED IT I WANT EVERY DOCUMNET THEY ARE GIVEN AND THE NAME AND PHONE NUMBER OF THE PERSON THAT PROVIDED IT TO TURN BOTH EXPERIAN AND THIS COMPANY INTO THE FTC AND TAKE FURTHER TO AN ATTORNEY]
Regards,
*** ***

Dear Revdex.com:Our office recently received your correspondence of July 20, 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).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 ***

Dear Revdex.com:complaint ID # ***Our office recently received your correspondence of September 26, 2017, the above-mentioned consumer's personal credit reportWe apologize for any inconvenience MsBobb experienced jn her previous telephone contact with ExperianAppropriate actions
are being taken to ensure that any customer service issues are addressedBy federal law, your personal credit report must list all organizations that have requested your credit historyIn accordance with the Fair Credit Reporting Act, entities who have certified to Experian thatthey have a permissible purpose may inquire about credit informationFor example, organizationsthat have granted you credit or 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 leasttwo 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 score.Other inquiries for your credit information are considered "soft' inquiries and not affect your credit scoreSome examples are: your current creditors to your accounts; other creditors who wantto offer you preapproved credit; an employer who wishes to extend an offer of employment; apotential irwestor assessing the risk of a current credit obligation; an end user to complete yourmortgage loan application; and insurance underwriting (auto or home)These imuirjes appear underthe heading "Inquiries shared only with you" on your personal credit report and are mt seen by anyone you (except insurance companies may be able to see other insurance company inquiries).Trunk you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateExperian Consurner Affairs*** ***

January 12, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** ** *** Complaint ID #***REFi ***Dear Revdex.com:Today our office received your Correspondence of January 6, regarding the above mentioned consumer's rebuttal of our response to his complaint.The bankruptcy information with which the consumer disagrees is currently under investigation based upon your correspondence of December 21, Upon completion of this process, we will provide the results of our investigation directly to the consumer.Thank you for allowing me to assist youPlease Contact me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** ***
*** *** ** ***

::::: 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 *** *** ***

My name is *** *** *** and I have given a third Party permission to file complaint on my behalf to the Revdex.comTHank you

Dear *** *** or To Whom It May Concern;In response to the email I received from the Revdex.com regarding a complaint submitted on my behalf 12/15/against Experian, as requested I am sending you this reply to give my written consent to authorize this complaint.The name
and address information for the 3rd party company is as follows;*** *** ***
*** * *** *** *** ***
*** ** ***
*** *** ***
*** ***Please let me know if any further information regarding this matter is needed.Thank you,*** ***

::::: ExperianNovember 4, 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 October 27, 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, 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.Please forward the consumer's specific disputes along with the consumer's complete identification information including Social Security number previous addresses in the last two years and date of birth).Upon receipt of this information, we will process the consumer's request.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 *** *** ***