Experian

Dear Revdex.com of San Diego,  Yes there is a third party working on my credit, [redacted] and it is regarding Experian.Thank you,[redacted]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted] [redacted]
[redacted]
Our office recently received your correspondence of January 9, 2017, regarding the above mentioned consumer's rebuttal of our response to his complaint.In the rebuttal, the consumer did not provide details of their dissatisfaction or additional information regarding the disputed information.We have mailed a current credit report directly to the consumer for review. If the consumer has additional information regarding disputed information, please provide it. Please specify the item or account 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, 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 you. Please contact me directly if you have any questions.[redacted]
[redacted]
[redacted]

January 30, 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 July 23, 2014 regarding the above mentionedconsumer's rebuttal of our response to her complaint.In the rebuttal, the consumer mentions ""Enclosed are copies". I was unable to locate this enclosure.Our records indicate that the disputed account, [redacted] waspreviously investigated on 01 /23/2015, 01/19/2015, 01/02/2015, 12/05/2014, 11/27/2014, 11/19/2014and 10/18/2014. In all but the first investigation, documentation that was provided by the consumerwas presented directly to the creditor for review.In each instance, the creditor verified the accuracy of the information. Results of each investigationwere provided directly to Ms. [redacted] for review. Because the creditors confirmed the accuracy of thedisputed information, we must respectfully decline her request to remove the accounts from herExperian credit report.If Ms. [redacted] disagrees with the results of the reinvestigations, it is her legal right, under the FCRA, toadd at 100-word statement specifying the nature of his dispute. The statement will appear with theitem as long as the item remains on the credit report. Any further concerns regarding the disputedinformation will need to be directed to the source of the information. The consumer may refer to hisoriginal personal credit report for the furnisher address, and phone number (if available).If Ms. [redacted] has any additional information or supporting documentation that not yet been providedregarding the disputed information, she may forward it directly to me for review.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

Yes they do have my permission.  The company is [redacted].

January 9, 2017Revdex.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 January 2, 2017...

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 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 meassure 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]

Good Morning,My name is [redacted], and I am in receipt of your request for further information. I do hereby authorize the said 3rd party, [redacted] to file complaint ID [redacted] on my behalf. 3rd party information as follows:[redacted]...

[redacted]Sincerely,[redacted]

November 13, 2014
Better Business...

Bureau
Serving San Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA 92123
RE [redacted]
REF# [redacted]
Complaint ID # [redacted]
Dear Revdex.com:
Our office recently received your correspondence of October 30, 2014 regarding the above mentioned
consumer's personal credit report.
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.
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 law. We 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 Mail. We 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 law. We review and consider the response to determine whether to accept it, reject
it, or follow up for additional information. If, after processing, we find that the disputed information is
inaccurate, incomplete or cannot be verified, we then delete that information, or modify that
information, as appropriate, based upon the dispute and the results of our processing. If we do not
receive a response from the furnisher or the vendor within the required period, we update the itern 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 vendor. Investigations can take as
long as 30 days to reach a conclusion. After we complete our processing, we send the consumer the
results.
In addition to the consumer's right to dispute information in the credit file with the credit reporting
agencies, the consumer also has the right to dispute information in the credit report directly with the
furnisher of the information.
If the consumer questions the results of the dispute process, then they may want to contact the
furnisher of the information directly or review the original information in the public record. Please 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 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

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.
Regards,
[redacted]
This company is not investigating my disputes. I have requested on several occasions for them to send proof that these accounts do belong to me. As per the FTC I have the right to know what is being reported in my credit file. This company has sent me a letter stating that they will not be further investigating my disputes, but I still have not received anything in regards to these accounts that I have no knowledge of. This company is withholding information from me that is stopping me from obtaining credit. I request that validation of these accounts be sent to me or that these accounts be deleted from my credit file

December 18, 2014Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Better Business Burea:Our office recently received your correspondence of December 15, 2014 regarding the abovementioned consumer's rebuttal of our response to his complaint.Research indicates that we have not previously received 1099c documentation regarding the **
[redacted]./ [redacted] accounts that appear on Ms. [redacted] Experiancredit report.We are presently investigating the [redacted] accounts with which the consumerdisagrees. Upon completion of this process, we will provide the results of our investigation directly tothe consumer. If Ms. [redacted] has additional information regarding these accounts, please forward itdirectly to my attention.The [redacted]./ [redacted] accounts presently show a zero balance as they were paid in full by thegovernment.Thank you for allowing me to assist you. Please contact me directly 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.
[Experian claims that their "vendor" verified the information. They do not explain or give the details of how they verified this information. The information is not correct and has been found to be incorrect by other credit reporting agencies. For whatever reason, Experian continues to provide false information in their reports about me. This is the same information they provided me when I originally found this information and disputed it in my credit report. They continue to not give the specifics of how they "verified" the information and therefore I will again request that they remove this information about me from their files. ]
Regards,
[redacted]

I give consent to [redacted]Thank you,[redacted]

June 17, 2016Bettes Business Bureau 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 June 10, 2016 regarding the above...

mentioned consumer's personal credit report.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.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 law. We 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 Mail. We 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 law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If 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 vendor. Investigations can take as long as 30 days to reach a conclusion. After 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 record. Please 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 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]

RE [redacted] Complaint ID # [redacted]REF# [redacted]Dear Revdex.com.Our office recently received your correspondence of September 30, 2015 regarding the above mentioned consumer's personal credit report.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.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 law. We 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 Mail. We 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 law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If 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 of the vendor. Investigations can take as long as 30 days to reach a conclusion. After 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 record. Please 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 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]

September 14, 2015Revdex.comServing San Diego, Orange and Imperial Counties47 47 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of September 3, 2015 regarding the...

abovementioned consumer'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 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 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 AssociateConsumer Affairs Special Services[redacted]

San Diego, CA 92123RE: Theresa Moore Complaint ID #[redacted] REF: [redacted]Dear Revdex.com:Our office recently received your correspondence of April 5, 2017 regarding the above mentioned Consumer's rebuttal of our response to her complaint.In order to investigate the consumer's complaint, please 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 or state ID card, etc., and one copy of a 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, K6[redacted]

RE. [redacted] Complaint # [redacted]Ref # [redacted]Dear Revdex.com:Our office recently received your correspondence dated October 1, 2015, regarding the above mentioned consumer's Experian credit report.We are currently investigating the disputed information. Upon 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 system. We ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within 30 days of the date that we received the consumer's request. Once we receive their response, we send the consumer the results of the investigation. If we do not receive a response within 30 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 dispute. If the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit report. The 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 disputes. Please 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.If I may be of further assistance, please contact me directly.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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,
[redacted]

I [redacted] give [redacted] permission to submit any disputes on my behalf.

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.
[According to FCRA
611(B)(3) a notice that, if requested by the consumer, a description of the
procedure used to determine the accuracy and completeness of the information
shall be provided to the consumer by the agency, including the business name and
address of any furnisher of information contacted in connection with such
information and the telephone number of such furnisher, if reasonably
available; I reached out to the bankruptcy court and was informed "The Clerk’s Office
does not provide information to credit reporting agencies.  Credit reporting agencies access the Courts
data by visiting the office and reviewing records or by logging into the United
States Courts Public Access to Court Records (PACER) system with an approved
login and password.   I have also reached out the 3rd party agencies: Advance Resolution Services, [redacted] services and [redacted] trust; I don't have a file with anyone of these agencies. This is my third request to be provided with documents that you have in your file that you used to verify my account.  Under Section 611 (5)(a) of the FCRA - you are required to promptly delete all information which can not be verified.   ]
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.The complaint was never updated to include me calling back and correctingthe complaint I sent in. I was complaining about experians lack ofinvestigation and refusal to send me proof of an investigation. 3 daysafter I called in experian sent me a letter refusing to investigate thematter as they said they would in their letter to the Revdex.com. They said thematter had been thoroughly investigated as required by law but they stillrefuse to send proof of investigation as required by law. I did my owninvestigation by calling [redacted] , [redacted] and [redacted] today claims no investigation wasdone by experian or any [redacted] bureau and they were removing the accountfrom my [redacted] report because it was fraud. [redacted] referred me to the original [redacted] of [redacted] and [redacted] of[redacted] claim no investigation has been done and are removing the debtfrom my report after they investigated it. [redacted] alsoclaims never to be contacted by experian and that this is the first timethey have been asked to investigate. So I once again ask what did theyinvestigate and where are the results of the investigation? Please correctmy credit report or investigate the fraud as required by law.
Regards,
[redacted]