Experian

March 3, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID #: [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of February 23, regarding the above mentioned consumer's personal credit report.We are Currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.According to the Fair CreditReporting 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.Sincerely, Katie ROSSSenior Regulatory Affairs Associate Experian Consumer Affairs ***CC: [redacted] N [redacted]

Dear Revdex.com:Our office recently received your correspondence of July 19, regarding the above mentioned Consumer's personal Credit report.By federal law, the personal credit report must list all organizations that have requested your Credit historyIn accordance with the Fair CreditReporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit informationFor example, organizations that have granted you creditor with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit reportRequests for your credit history remain on the personal Credit report for at least two years.Inquiries from credit grantors who request your credit information as part of your application for Credit will display under the heading "Inquiries shared with others" on your personal Credit reportThese inquiries display on your Credit report when it is accessed by others with a permissible purposeThese inquiries may affect your credit scoreOther inquiries for your credit information are considered "soft" inquiries and do not affect your credit scoreSome examples are: your current Creditors to monitor your accounts, other creditors who want to offer you preapproved Credit, an employer who wishes to extend an offer of employment, a potential investor assessing the risk of a Current credit obligation, an end user to complete your mortgage loan application, and insurance underwriting (auto or home)These inquiries appear under the heading "Inquiries shared only with you" on your personal credit report and are not seen by anyone but you (except insurance companies may be able to see other insurance Company inquiries).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

September 29, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF [redacted] Dear Revdex.com.Our office recently received your Correspondence of September 22, regarding the above mentioned Consumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the Consumer should also indicate what the Correct information should bePlease specify the item or account name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, Current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one Copy of a utility bill, bank or insurance statement, etc.When a consumer disputes the accuracy or completeness of information on their personal credit report and tell us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that Collected the information from a public record source such as a Court or other government officeWe ask the furnisher or the vendor to verify all of the information regarding the item disputed, and report back within days of the date that we received the request (days for Maine residents and days for disputes of information on an annual free credit report)We 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 your 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, and send the Consumer the resultsIn some instances, upon reviewing the credit file and any relevant information the Consumer may have submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to Contact the furnisher or the vendorAfter we complete our processing, we send the Consumer the resultsIn addition to the Consumer's right to dispute information in their 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 guestions the results of our dispute process, then they may want to contact the furnisher of 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 me directly if you have any duestions.Sincerely,Michael Lonergan Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] CC [redacted]

March 23, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of March 13, regarding the above mentionedconsumer's personal credit reportIf a bankruptcy was dismissed or withdrawn, it appears on the personal credit report because everyaction that relates to credit may become part of the credit historySo even though the court did notallow the completion of the bankruptcy, the fact that the case was documented allows it to appear onthe personal credit reportThe bankruptcy dismissed/withdrawn status will remain on the report for seven years from the filingdate.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 seriouslyThank youfor allowing me to assist youPlease 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 [If Experian, specifically would have read the context of my complaint, Experian would realize how much of a contradiction of their response indicated here with this Revdex.com reportReiterating my initial and ONLY complaint regarding the illegal and willful noncompliance on the part of Experian Credit Reporting Agency per FCRA for willfully altering the date of first delinquency (DOFD) of these accountsThese accounts were SOLD to COLLECTIONS, therefore Experian's response here is false, as the accounts were not in good standingI am submitting evidence AGAIN proving my point that Experian, that these accounts went to the court of law, in [redacted] **, see attachments, as well as original submissions to the Revdex.com regarding [redacted] , senior regulatory affairs associate, consumer affairs special services PHONE [redacted] ; states in his letter, on behalf of Experian, dated 11/12/15, that only "two [redacted] accounts were reporting on Experian, as well as both accounts were on paid, never late status" (see attachmenus), as you can see from the attachment my Experian creditreport dated the SAME date (11/12/15) shows three (not two-EXPERIAN) [redacted] accounts reporting as charged offTherefore, I do not agree with MR [redacted] response i.e.., ExperianThe issue at hand is illegally reaging said accounts, and illegally publicly reporting which are supported by the original creditor the correct ***s (attachments) proving the correct last date of delinquency as over seven years agoIt is ironic that neither transunion nor equifax have any of these accounts on my current reports, it is also ironic, that I did not have to dispute with the other two credit reporting agencies over these accountsThe discrepancy and illegal reaging of the ***s is purely Experian's illegal attempt to defame my character, this is causing undue stress when I have Ll of the evidence against ExperianI will continue this fight until justice is served on my credit reportIf Experian does not correct these ***s on my Experian credit report, experian will be quaranteed I will take this as far, and as long, as legally possible to hold all entities responsible for willful noncompliance per FCRA] Regards, [redacted]

March 2, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] REF #: [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence February 18, regarding the above mentionedconsumer's complaint.An Extended Security Alert has been added to the consumer's credit reportThis message, which willexpire after years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.Our research indicates that we have not received an Identity Theft Police report from the consumer.In order to have the requested information removed from your personal credit report, you must sendus a copy of a recent valid identity theft report (an official report filed with an appropriate federal, state,or local law enforcement agency, including the U.SPostal Inspection service or others, the filing ofwhich subjects the person who filed the report to criminal penalties if the information filed is false), or avalid copy of a Federal Trade Commission affidavit with a police officer's signature and police reportnumber.To protect your personal identification information, Experian does not return correspondence sent tousSend copies of any documents you wish to provide to us and always retain your originaldocumentsYou may also submit your request or documents supporting your claim electronically atexperian.com/uploadIf you do not provide Experian with the required information specified above, you will not havesubmitted a valid request to block information in your personal credit report due to an identity theft andno information will be blocked.We have mailed a current credit report directly to the consumer for reviewIf there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdisputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent orincluded in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed inerror"If the status dates, amounts, balances or other specific data is incorrect, the consumer shouldalso indicate what the correct information should bePlease specify the item or account name andnumber.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 dateof birth)Also, please include one copy of a government issued identification card, such as a driver'slicense, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly at ###-###-#### if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

January 28, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of January 20, regarding the above mentionedconsumer's personal credit report.Our records indicate that we previously investigated [redacted] FINANCIAL SERVICES on four separateoccasions dating back to August 13, At the conclusion of each investigation, the disputedinformation was verified as accurately reported by the data furnisherResults of the investigation wereprovided to [redacted] at the conclusion of each investigation.When a consumer disputes the accuracy or completeness of information on their personal creditreport and tell us specifically why they believe the information is inaccurate or incomplete, we processtheir dispute as required by lawWe contact the furnisher of the data to verify the accuracy of thedisputed information.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, underthe FCRA, to add a 100-word statement specifying the nature of their disputeThe statement willappear with the item as long as the item remains on the credit reportAny further concerns regardingthe disputed information may need to be directed to the creditors reporting this informationPleaserefer to the original personal credit report for the furnisher or public records office name, address, andphone number (if available)If the consumer has any additional supporting documentation regardingthe disputed information, they may forward that to us for review.Additionally, our records indicate that a statement was added to [redacted] 's Experian credit reporton January 16, per his requestWe are mailing a copy of the Experian credit report to [redacted] for review.Any concerns regarding [redacted] being a paying customer are handled in a different ExperianofficeWe have forwarded your correspondence to the following division for review and response.Experian Consumer Services.PO Box 2390Allen, TX 75013Toll Free Telephone: 7790Because we are unable to assist with the "Paying Customer" issue, it is recommended that theconsumer contact Experian Consumer Services directly.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly at if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Dear Revdex.com:Our office recently received your correspondence of July 20, 2017, regarding the above mentioned consumer's personal credit report.An Initial Security Alert has been added to the consumer's credit report on July 7, This message, which will expire after days, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government officeWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorAfter we complete our processing, we send the consumer the 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 recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available)According to the Fair CreditReporting 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 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.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions[redacted] *** Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

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 youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted] ***

Our office recently received your correspondence of October 4, 2017, regarding the above-mentioned consumer's personal credit report.According to our records, we have not previously investigated the One Main Financial account appearing on the consumer's credit report, however, One Main Finardal has reported a dispute statement on the account.In certain circumstancesdata fumishers are obligated to add the dispute statements by the FCRA (Fair Credit Reporting Act)If the consurner would like us to rerrove this statement, then they may contact usOtherwise, the comrnent will remain on the consumer's personal credit report as long asthe item is reported.Additionalty, we are presently investigating account, employrrent, narne, and telephone number information with which the consurrer disagreesUpon completion Of this process, we will provide theresults of our investigation directly to the consumer.We store information based on identification and address information provi&d to us by credit grantors providers of public recorcSOne or rmre sources of information reported the identification and/or inforrnation you questioned and it is a part of your credit historyIf you believe this information is inaccurate, you may want to contact tie source ofttE information directlyPlease contact us by phone if you need additional assistance to determine the specific sources of particular identification and address information on your credit reportWhen a consurner disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the inforrnation is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collectedthe 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 verdor to conduct a thorough and complete investigation to verify all of the inforrnation regarding the disputed item, and report back within thetime frarne 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 disputedinformation is inaccurate, incomplete or cannot be verified, we then delete that information, or modifythat information, as appropriate, based upon the dispute and the results of our processingIf we donot receive a response from ttE furnisher or the vendor within the required period, we update the itemas requested or delete inforrnation, In sorre instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed informationshould be deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusion After we complete our processing, we send the consumer the resultsIn 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 thefurnisher 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 governrnent office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to helpresolve the consumers dispute, Experian will review all relevant documents subrnitted by theconsumer with the dispute and will forward such docurnents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly todispute 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 narne, address, andphone number (if available).Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing informationTherefore, we cannot update or delete information in our database based on the resultsof a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency.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 youfor allowing me to assist youPlease contact me directly if you have any questionsSincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of May 17, 2017, regarding the above mentioned consumer's personal credit report.To assist you, We must verify the Consumer's current delivery addressPlease send us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etcMake sure that each copy is legible (enlarge if necessary), displays the consumer's name and current mailing address, and the date of issue (statement dates must be recent)We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] on behalf of [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] CC [redacted]

July 30, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID# [redacted] Dear Revdex.com:Our office recently received your correspondence of July 22, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if pvailable).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***

January 26, 2016Eetter BUSiness Eureau Serving San Diego and Imperial Counties Viewridge Ave #San Diego, CA 92123RE: [redacted] Complaint ID: [redacted] REF# [redacted] Dear Eetter Business Eureau.Thank you for submitting your complaint dated 01-22-2016, regarding the above mentioned consumerWe 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 disagreesUpon 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.OBox 1240, Allen, TX Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

Dear Revdex.com:Our office recently received your Col respondence of August 2U 7, regarding the above mentioned consumer's personal Credit report.We are currently investigating the information with which the Consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, In some instances upon reviewing the Credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter We Complete our processing, we send theIn 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 theACCOrding to the rair Credit Repoll y Act (FuRA), a calci, sumer Credit reporting agency's role in the dispute process is to review the accuracy and Completerness of any disputed item which maypublic 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 Consumer with the dispute and will forward such docu! is tie 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.Sincerely, [redacted] Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted]

August 4, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] Dear Revdex.com.Our office recently received your correspondence of July 28, regarding the above mentioned consumer's rebuttal of our response to his complaint.An Extended Security Alert has been added to the consumer's credit reportThis message, which will expire after 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 disputed information, providing the creditors with copies of the ID Theft Police report that we had received from the consumerThe creditor verified the accuracy of the accountsResults of the investigation were provided directly to the consumerIf the results of the investigation are questioned, the consumer may want to contact the source of the information directlyThe Consumer can refer to the original personal credit report for the source business name, address, and phone number (if available).If the consumer still wishes to have this information blocked, please submit a complete, valid, legible identity theft police reportThe identity theft report should include as many of the following elements as possibleSpecific dates such as when the loss or theft of personal information occurred or when the fraud(s) occurred, how you discovered or learned of the theft, any known information about the perpetrator, name and/or badge number, and signature of the law enforcement personnel who processed the report, and the filing date and case numberAlso, please list each account and account number and any other information that the consumer believes appears on the credit report due to identity theftIf the consumer does not provide Experian with the required information specified above, they will not have submitted a valid request to block information in their personal credit report due to an identity theft and no information Will be blocked.Thank you for allowing me to assist youPlease contact me directly at [redacted] if you have any questions.Sincerely, [redacted]

Yes there is a third party working on my credit- [redacted] Thank you,

August 21, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Ref #: [redacted] Complaint# [redacted] Dear Revdex.com:Our office recently received your correspondence dated July 30, 2015, regarding the above mentionedconsumer's Experian ***dit report.We are currently investigating the disputed informationUpon completion of this process, we willprovide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directlyby letter, telephone, or through an automated verification systemWe ask the source to check theirrecords to verify all of the information regarding the item questioned, and report back to us within 30days of the date that we received the consumer's requestOnce we receive their response, we sendthe consumer the results of the investigationIf we do not receive a response within days weupdate 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 disputeprocess is to investigate the information to determine the accuracy and completeness of any disputeditem by contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's disputeIf the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit reportThe FCRAdoes not require that the consumer reporting agency obtain documentation such as the actual signedsales slips, signature cards, contracts, etc.; nor does it require that consumer reporting agencies actas mediators or negotiators in account disputesPlease forward any documentation directly to thecreditor for review.Please refer to the original Experian personal credit report for the business name, address, and phonenumber (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 AssociateConsumer Affairs Special Services [redacted] ***

Thank you for allowing me to assist youPlease contact our office if you have any questionsSincerely, [redacted] Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted] ***

January 26, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com:Our office recently received your correspondence of January 17, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.If your bankruptcy was dismissed or withdrawn, it appears on your personal Credit report because every action that relates to credit may become part of your Credit historySo even though the Court did not allow the Completion of your bankruptcy, the fact that the Case was documented allows it to appear on your personal Credit reportThe bankruptcy dismissed withdrawn status will remain on your report for seven years from the filing date.When a consumer disputes the accuracy or Completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe Contact the furnisher of the information or the vendor that Collected the information from a public record source such as a Court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and Complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the Consumer the resultS.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact 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 me directly if you have any guestions.Sincerely, [redacted]

March 23, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] ***Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of March 13, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate