Experian

Dear Revdex.com:Our office recently received your correspondence of August 15, 2017, 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 me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist you.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.I have tried to call the person who advised that I contact her and left a message but she did not answer or call me back
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint I have seen sent this complaint to Experian's CEO as of August 11, on account no one seems to want to address my issuesof the offer I reviewed appear below
Regards,
*** ***

Experian is constantly reporting inaccurate information on my credit profileI written in numerous disputes on information, they are repeatedly allowing my credit to be ran even though I have fraud alert on my profile and have stated and sent in a copy of a police report stating I'm a victim of identity fraudAs of August 23,*** *** has canceled my account due to the report they received from Experian which is inaccurateThis to me is absolutely absurdWhat's point in placing freezes and fraud alerts If they are still going to just place whatever they likeI had a score now according to them I'm at a Please explain how that can happen.Desired Outcome: For them to correct my report and please remove all unauthorized inquiriesCorrect all information so that my score will reflectLastly contact *** and I would like my card reinstated

Dear Revdex.com:Our office recently received your correspondence regarding the above-mentioned consumer's personal credit report.Our records indicate that the disputed Resident Collection INC account does not appear on therian credit reportWe have mailed a current Experian credit report directly to the consumer for review.We are currently investigating the disputed Capital One accounts with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, wemust 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 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 vendorInvestigationscan take as long as days to reach a conclusionAfter we complete our processing, we send the HIER! I 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,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

I *** *** authorized *** *** *** on my behalf to file a complaint

[redacted]Dear Revdex.com,Our office recently received your correspondence of October 29, 2016 regarding the above mentioned Consumer's rebuttal of our response to her Complaint.The Consumer states "here are 3 pieces of mail with my address". We were notable to locate these attachments.To assist the Consumer, we must verify her Current delivery address. Please 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, etc. Make 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 have the consumer forward this information directly to my attention.Thank you for allowing me to assist you. Please contact me directly at if you have any questions.Sincerely,[redacted]

June 2, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID #[redacted]REF# [redacted]Dear Revdex.com.Our office recently received your correspondence of May 24, 2016 regarding the above...

mentioned consumer's complaint.We apologize for any inconvenience experienced by the consumer. Our records do not indicate any contact from this consumer regarding her Experian credit report prior to 05/24/2016 when investigations were initiated on her behalf via the internet.We have mailed a current credit report directly to the consumer for review. If there is information appearing on the credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples 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 be. Please 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 assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly at [redacted] if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

::::: ExperianNovember 16, 2015Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: [redacted] Complaint ID: [redacted] REF# [redacted]Dear Revdex.com.Thank you for submitting your complaint dated 10-23-2015, regarding the above...

mentioned consumer. We appreciate that your office took the time to let us know about their experience with our company.We are currently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.For additional assistance, the consumer may call me directly at [redacted], or write to Experian at P.O Box 1240, Allen, TX 75013. 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 seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services[redacted]

Hello my name is [redacted]. I am writing this to give you consent for a complaint that was filed on my behalf by CRE credit services. If anymore info is needed from me please feel free to ask.

[redacted]Dear Revdex.com:Our office recently received your correspondence of July 10, 2017 regarding the above mentioned consumer's personal credit report.Our records indicate that we have not previously received this complaint from the...

Revdex.com.We are currently investigating the information with which the consumer disagrees. Upon 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 completelness 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 documents. Consumers may also contact Creditors directly to dispute items reported by the Creditor. If 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 assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] Experian Consumer Affairs Senior Regulatory Affairs Associate [redacted]

March 20, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID [redacted]Dear Revdex.com:Our office recently received your correspondence of March 11, 2015 regarding the above...

mentionedconsumer's personal credit reportWe are currently investigating the information with which the consumer disagrees. Upon 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 law. We 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 law. We 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 processing. If 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 submi11ed to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendor. Investigations can take aslong as 30 days to reach a conclusion. After 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 record. Please 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 seriously. Thank youfor allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

July 12, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]Dear Revdex.com.Our office recently received your correspondence of July 11, 2016 regarding the above mentioned consumer's rebuttal of our response to his complaint.Our records indicate that we have not previously received this rebuttal.Our records further indicate that investigations of [redacted] were previously initiated on 6/23/13 and 6/27/16. In both instances the information was verified as accurately reported by our vender's review of the bankruptcy documentation on file at the bankruptcy court. Our own review of the public record confirms the consumer's full name, former address and the last 4 digits of his Social Security number.We are in the process of providing this documentation directly to the consumer for review.If a bankruptcy is withdrawn before a final judgment the federal Fair Credit Reporting Act (FCRA), Section 605 (d) (1), states "the consumer reporting agency shall include in the report that such case was withdrawn". The bankruptcy dismissed/withdrawn status remains on the consumer's Experian credit report for seven years from the filing date.According to the federal 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 documents. Consumers may also contact creditors or the public records offices directly to dispute reported items. If 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 believes that the bankruptcy was filed in his name without his knowledge, he should contact the Bankruptcy Trustee as outlined on the bankruptcy documents: [redacted]
If the consumer has any additional supporting documentation regarding the disputed information, they may forward that directly to me for review.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[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.
The right to dispute the debt and receive validation are part of the consumer's rights under the United States Federal Fair Debt Collection Practices Act (FDCPA) and are set out in §809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. According to FCRA 611 (15U.S.C 1681I) Certification of accuracy of information. If any information has been deleted from a consumer's file, the information may not be reinserted by the consumer reporting agency. If any information has been deleted from the consumer's file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This has not been done AT ALL. The credit bureau has not verified any information nor did I receive any documents that Experian or Enhanced recovery company would be placed on my file.I would like this item to be removed and deleted from my file immediate. 
Regards,
[redacted]

June 4, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Better Business...

Bureau:Our office recently received your correspondence of May 27, 2015 regarding the above mentionedconsumer's personal credit reportWe are in the process of providing the current personal credit report directly to the consumer forreview.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 seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

To whom it may concern,          I , [redacted], hereby authorize [redacted] to file complaints on my behalf. Please cc me on any emails sent by [redacted] to the Revdex.com and any replies sent from the Revdex.com back to [redacted]...

[redacted] if possible.Thank you,[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.
This is a standard response by Experian addresses NONE of my key items in my complaint. Let me repeat:1.) By law, FCRA Section 611, Experian is REQUIRED TO RESPOND TO THE CONSUMER FOR ALL DISPUTES INITIATED BY THE CONSUMER. Disputes received by Experian (per certified mail) on 2/9/2015 and 4/6/2015 went UNANSWERED by Experian. Violating my consumer rights under Section 611 of the Fair Credit Reporting Act.2.) Experian has provided ZERO PROOF they made contact with the data furnisher regarding my dispute received on 6/24/2016 to verify my account information with the data furnisher. IN FACT, I disputed the same account with another credit bureau around the same time, and the dispute was deleted due to NO RESPONSE from the data furnisher. I want proof, that Experian did indeed send an Automated Consumer Dispute Verification (ACDV) to the data furnisher, regarding my dispute received on 6/24/2016.3.) Experian DID NOT ADDRESS my dispute, regarding the account number including my SSN, which is violation of my consumer rights under the [redacted] Safeguards Rule. My SSN is still part of my account number for the account I'm disputing, which is not safeguarding my non-public personal information, and against the law, and again violating my rights. Per their 2015 CRRG manual, if the data furnisher does not mask/scramble my SSN in an account number, and leaves it unscrambled "in whole or in part", they are required to delete the account to safeguard my non-public personal information. They have failed to properly have the data furnisher scramble my SSN in my account number, or have it removed, again, violating my consumers rights under the [redacted].I can provide a copies of the certified mail receipts, the 2015 Credit Reporting Resource Guide (CRRG), as well as Fair Credit Reporting Act and Gramm-Leach-Bliley Act if they are unclear of the law, and/or are unclear of my rights they have violated in not just one, or two, but all three cases cited above.I want:1.) For Experian to acknowledge that all the above is accurate, and my consumer rights have been violated per all the instances cited above. Especially regarding NOT RESPONDING to my disputes in February 2015 and April 2015, which they are required to do, per FCRA Section 611.2.) For Experian to do their job, with regards to respecting my rights under the FCRA and [redacted], by contacting the data furnisher, and having the data furnisher MASK OR SCRAMBLE MY SSN in my account number, to protect my non-public personal information, and comply with the CDIA's guidance in the 2015 CRRG regarding SSN's included in whole or in part in the account number of a disputed account. If no response is received from the data furnisher, they are instructed to delete the account per the 2015 CRRG.It is Experian's job as a credit reporting agency to perform the above. They are not going to pawn this off as the data furnisher whose the problem. Experian is the one not doing their job and respecting consumers rights. That's not me talking, that's the law talking, per the FCRA and [redacted].
Regards,
[redacted]

June 8, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF#...

[redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of May 28, 2015 regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon 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 law. We 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 law. We 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 processing. If 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 vendor. Investigations can take aslong as 30 days to reach a conclusion. After 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 record. Please 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 seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

December 17, 2014Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]REF #: [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of December 11, 2014 regarding the abovementioned consumer's rebuttal of our response to his complaint.In the rebuttal, the consumer did not provide details of her dissatisfaction or additional informationregarding the disputed information.We have mailed a current credit report directly to the consumer for review. If the consumer hasadditional information regarding disputed information, please provide it. Please specify the item oraccount name and number along with the consumer's specific disputes and the additional information.Please provide their complete identification information (Social Security number, full name, currentaddress, previous addresses in the last two years and date of birth). Also, please include one copy ofa government issued identification card, such as a driver's license, state ID card, etc., and one copy ofa utility bill, bank or insurance statement, etc.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

February 10, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of February 4, 2015 regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon 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 law. We 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 law. We 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 processing. If 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 vendor. Investigations can take aslong as 30 days to reach a conclusion. After 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 record. Please 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 seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate