Experian

:::::: ExperianJanuary 12, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]REF# [redacted]Dear Eetter Business Eureau.Our office recently received your correspondence of January 4, 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 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 Consumer Affairs Special Services [redacted]

October 22, 2014
Revdex.com
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 17, 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 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 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 me directly if you have any questions.
Sincerely,
[redacted]
Senior Regulatory Affairs Associate

Our office recently received your correspondence of September 21 2017, regarding the abovementioned consumer's personal credit report.Using the identification information you provided, we are unable to locate a credit record for the above mentioned Consumer. The consumer either has no credit history...

or additional identification information is needed in order to access the credit information. 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, state ID card, etc. and one Copy of a utility bill, bank or insurance statement, etc.We understand the Consumer's concern and hope we can answer their questions regarding this matter.Equifax announced on September 7th that they recently discovered a data breach in their system that affected a large number of consumers. As with any data breach, this is an unfortunate situation for impacted consumers. To be clear, this is an Equifax incident and unrelated to Experian. We have no indication, nor any reason to believe we were affected However we stand ready to support impacted Consumers as needed.For specific information regarding this data breach, the Consumer may contact Equifax at 866-4477559.Not everyone will be a victim of identity theft as a result of a breach but keeping informed can help the consumer mitigate risk when dealing with any data list:ach. When a breach does occur, the Consumer can take action by doing a few things.Stay alert. If the consumer has been part of a data breach the breached company may send thema notice. Retain all documents and consider any suggestions they may have. Also, pay attention to and retain any mail they receive that is unfamiliar to them, such as notices from the IRS regarding their taxes or any bills from unknown lenders.Initiate a Fraud Alért. When a consumer fears fraud may have occurred, but aren't sure, an initial security alert warfs lenders that the consumer may have been a fraud victim, and asks them to take extra precaution is before granting a line of credit in the consumer's name. Consumers can set a fraud alert with Experian. When the consumer request a fraud alert be added with any of the three major credit bureaus, the bureau they contacted will notify the other two and alerts will be added with those bureaus as well.  Monitor financial accounts. The Consumer can visit their online bank and financial accounts, and set up any alert features they may have, if the consumer has not already done so. This could help save them some time and keep them notified of any unusual events when they occur.Monitor Credit reports. The consumer can check their Crecht report for free once every twelve months by visiting AnnualCreditReport.com. Checking credit reports can help the consumer identify any unusual activity, such as new accounts, new personal information or inquiries. Experian free credit report members can check their Experian credit report for free every 30 days on sign in.Freeze or lock the credit file. Consumers may consider adding a security freeze. The Consumer can also freeze their credit reports with Equifax and TransUnion® A security freeze will prevent potential lenders from accessing their credit report. The consumer's credit report will only be accessible by unfreezing the account. If the consumer is planning on applying for new Credit in the near future, they could consider postponing the security freeze. Fees and re! Lirements for adding and removing a freeze vary by state. Also, if the consumer is already a member of Experian IdentityWorks", they can lock and unlock their Experian credit report at any timeLearning that you may be a victim of a data breach can be Scary - but we can help!If the consumer thinks they may already be a victim of Identity theft they can visit our victim assistance center for Our recommended steps to takeThe consumer may also consider enrolling in identity theft protection to help safeguard their personal information.For more information regarding the consumer's Credit and frequently asked questions, they may visit http://www experian.com/blogs/ask-experian/category/blog/protecting-your-identity/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 Experian Consumer Affairs [redacted]

Hello - Regarding Complaint #[redacted]I did not see these emails in time before you closed this complaint.  Is there a way to reopen it?I DO have a third party helping me with this complaint, and it was legitimate.Thank you,[redacted] "[redacted]

April 30, 2015Revdex.comServing San Diego and Imperial Coun1ies4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Dear Revdex.com:Our office recently received your correspondence of April 23, 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

I give full consent to CRE Credit Services.  Any forget questions, please feel free to contact me at [redacted]. 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.
[ I am absolutely perplexed Experian's position. I am a victim of  fraud (see attached police report and FTC report).  Experian is explicitly required  under Sec FCRA 605 (see attached copy of legislation) to BLOCK fraudulent information, instead of conducting a regular investigation.  In refusing my right Experian has violated the FCRA. I will proceed to report this matter to the US Congress Finance Committee, the FTC and the Attorney General's office, as well as file suit for the FCRA violation. ]
Regards,
[redacted]

May 21, 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 13, 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

ExperianJanuary 6, 2016Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: [redacted] Your Complaint ID: 10992170 Ref #: [redacted]Dear [redacted]Our Office recently received your correspondence of December 23, 2015, regarding the above mentioned consumer's personal credit report.Our records indicate that on June 1, 2015, we placed [redacted] under investigation per the consumer's request; we had contacted the data furnisher. The data furnisher confirmed that account was reporting accurate as transferred and the result summary was delivered to the consumer on June 25, 2015.Additionally, a transferred debt may display on the consumer's credit report under the name of the original company or account, and also under the new company or account after it was transferred. An account that displays as "transferred" indicates that the debt was brought by another company. This account is considered positive and will remain on the credit report 10 years from the transferred date of February 19, 2013.Thank you for allowing us to assist you. If [redacted] needs additional assistance she may contact [redacted] directly at [redacted].Sincerely,[redacted] On Behalf of [redacted] Consumer Affairs Special Services [redacted]C? . [redacted]

July 6, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]REF #: [redacted]ComplaintiD #[redacted]Dear Revdex.com:Our office recently received your correspondence of June 25, 2015 regarding the above...

mentionedconsumer's complaintWe are currently investigating the disputed information with which the consumer disagrees. Uponcompletion 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 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. We ask thefurnisher or the vendor to conduct a thorough and complete investigation to verify all of the informationregarding the disputed item, and report back within the time frame required by law. We review andconsider the response to determine whether to accept it, reject it, or follow up for additionalinformation. If, after processing, we find that the disputed information is inaccurate, incomplete orcannot be verified, we then delete that information, or modify that information, as appropriate, basedupon the dispute and the results of our processing. If we do not receive a response from the furnisheror the vendor within the required period, we update the item as requested or delete the information, Insome instances, upon reviewing the credit file and any relevant information submitted to us, we areable to determine whether the disputed information should be changed or deleted without having tocontact the furnisher or the vendor. 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).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 dispute. If the issue is not resolved, then the consumer creditreporting agency must offer to include a consumer statement on the personal credit report. TheFCRA 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.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 at ###-###-#### if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

::::: ExperianNovember 11, 2015Revdex.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 November 4, 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]

[redacted] & [redacted]
[redacted]TO WHOM IT MAY CONCERN,We authorize [redacted] to file a complaint on our behalf. Thank-you.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.
I am no longer able to rely on words. I want outcomes. I will consider this case resolved once I get my full credit report in the mail.
Regards,
[redacted]

hi this is [redacted]  I am giving you premision to do this third party was [redacted]  [redacted]

April 13, 2015Revdex.comServing San Diego and Imperial...

Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]REF# [redacted]ComplaintiD # [redacted]Dear Los Angeles Revdex.com:Our office recently received your correspondence of April 6, 2015 regarding the above-mentionedconsumer's Experian credit report.To assist you, we must verify the consumer's current delivery address. Please send us one copy of agovernment issued identification card, such as a driver's license, state ID card, etc., and one copy of autility 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 datesmust 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 identificationinformation including Social Security number previous addresses in the last two years and date ofbirth).Upon receipt of the information requested, we will promptly process the consumer's request.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

Yes I am authorizing [redacted] to submit this dispute on my behalf. If you need additional clarification please call ###-###-####. Thank you for your assistance.

June 5,...

2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]-[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 tha1 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

::::: ExperianDecember 3, 2015Revdex.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 November 23, 2015...

regarding the above mentioned consumer's personal credit report.An Extended Security Alert has been added to the consumer's credit report. This message, which will expire after 7 years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.Our records indicate that we previously conducted investigations regarding the Federal Tax Lien filed With the [redacted] [redacted]. In each Case OUs Wender Verified the information as accurately reporting Results of the investigations were provided directly to the consumer. If the results of the investigation are questioned, the consumer may want to contact the source of the information directly: the [redacted]Judgments, Tax Liens and Bankruptcies are a matter of public record. Although 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 Experian. Experian's method of verification for public records complies with the requirements of the Fair Credit Reporting Act (FCRA).If the consumer has additional information regarding this tax lien, for example a court order stipulating that this public record be sealed or removed from the public record as stated in his dispute of 10/28/2015, please forward it directly to us for review.Additionally, our records indicate that the disputed Bankruptcies and Civil Claim Judgments do not appear on the consumer's current Experian credit report. We have mailed a current Experian credit report directly to the consumer for review.Experian strives to achieve a high level of customer service for all the consumers they 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] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I have sent over the bankruptcy discharge papers previously to Experian. This is becoming quite redundant. I have attached the bankruptcy discharge papers along with correspondence from [redacted] confirming my complaint. It should not take thirty days to update this information if I've already submitted documents proving my case.
Regards,
[redacted]

March 16, 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 March 8, 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]