Experian

March 20, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of March 12, 2015 regarding the above...

mentionedconsumer's personal credit reportOur records indicate that we provided an Experian credit report to the consumer on March 17, 2015.To ensure receipt, we are in the process of re-sending the consumer a current Experian personalcredit report.Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian fakes 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

[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 contacted Experian several times by certified mail in regards to deleting Santander consumer USA from my credit report. Equifax has deleted the account. I placed a Fraud alert on the account 10/15/2017 and This account keeps coming back verified but Experian has broke Federal by not providing me proof of how they have verified the account as being accurate. They continue to violate the FCRA regarding refusing to delete this unverified unproven noncompliant account. Despite my three written request plus fraud alert the unverified account is still being reported. Experian still has not identified who in their company verified the accuracy of the account or how they verified the account. What this means is that Experian must be willing and able to produce a document that proves the account in dispute belongs to me and the information being reported is accurate and to do this they must have 1st hand knowledge of the alleged account and all that has ever transpired from the alleged account under oath and the penalty of perjury. Their failure to provide me with verifiable proof required for your company to post the account below is evidence that it does not exist and therefore is proof that you can't properly verify the accuracy of this disputed account. Experian is required to Delete all accounts that can not be verified. Section 616 and Section 617 states if the unverified account is not deleted within 10 days I will seek litigation under the FCRA..
Regards,
[redacted]

[redacted]
 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 youfor allowing me to assist you. Please contact our office if you have ary...

questions.Sincerely,[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs[redacted]

April 2, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of March 25, 2015 regarding the above...

mentionedconsumer's personal credit report.Our records indicate that the disputed information does not appear on the consumer's currentExperian credit report. We have mailed a current Experian credit report directly to the consumer forreview.Experian strives to achieve a high level of customer service for all the consumers they assist. Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

I never received any communication from you - but CRE services filed the complaint on my behalf.

::::: 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.Our records indicate that we previously conducted an investigation of the Dismissed Chapter 13 Bankruptcy filed with [redacted]. Our vender verified the information as accurately reporting, Results of the investigation 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. [redacted] located at [redacted], telephone [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 dismissed bankruptcy, please forward it directly to us for review.We are in the process of mailing the bankruptcy filing and dismissal documentation obtained in our investigation to the consumer for review. This documentation confirms the consumer's full name, former address at time offiling, present address at time of dismissal and last 4 digits of her Social Security number.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]

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 NUMEROUS disputes that also requested the method of verification that I'm legally entitled to know to make sure the information is being reported correctly and there was a proper investigation done. I have yet to receive ANY information informing me of how the verification was done. I understand the reason why they want me to choose a dispute type is so they can reduce that information into a numbered code and sent it electronically to the original data furnisher, which again doesn't provide me with what I'm looking for! I've stated multiple times I don't accept their electronic verification because anyone on the data furnishers end can decide yes or no without fully investigating the accounts in question. I want a proper investigation done and if one can't be done because it would pose too much of a hardship to the above company, then I request the information be removed from my bureau reports since it was not investigated properly and could in turn be reported as inaccurate or incomplete information, which is a clear violation of the FCRA.
Regards,
[redacted]

May 18, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted]
REF# 1[redacted]Dear Revdex.com.Our office recently received your correspondence of May 9, 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]

Dear Revdex.com:Our office recently received your Correspondence of May 30, 2017, regarding the above mentioned consumer's personal Credit report.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 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 AssociateExperian Consumer Affairs 214726 [redacted]

:::::: ExperianMarch 10, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted]REF# [redacted]Dear Revdex.com.Our office recently received your correspondence of March 1, 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 214 726 [redacted]

Dear Revdex.com:Our office recently received your correspondence of July 27, 2017 regarding the above mentioned consumer's rebuttal of our response to her complaint.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.Sincerely,[redacted]Senior Regulatory Affairs Associate

See attached.Thank you for allowing me to assist you. Please our office if you have any questions.Sincerely,[redacted] JrSenior Regulatory Affairs Associate Experian Consumer Affairs[redacted]

May 27, 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 18, 2015 regarding the above...

mentionedconsumer's personal credit reportOur records indicate that through our vender, [redacted] waspreviously investigated per the consumer's internet request on 10/13/2013. Our vender verified theinformation as accurately reported as it appears on file at the [redacted]. Results of the investigation were provided to theconsumer at the conclusion of the investigation.If your bankruptcy was dismissed or withdrawn, it appears on your personal credit report becauseevery action that relates to credit may become part of your credit history. So even though the court didnot allow the completion of your bankruptcy, the fact that the case was documented allows it to appearon your personal credit report.Documentation obtained through the investigation will be provided directly to the consumer underseparate cover.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 law. We contact the source 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 dispute. The statement willappear with the item as long as the item remains on the credit report. Any further concerns regardingthe disputed information may need to be directed to the creditors reporting this information. Pleaserefer to the original personal credit report for the furnisher or public records office name, address, andphone nurnber (if available). If the consumer has any additional supporting documentation regardingthe disputed information, they may forward that to us for review.Because Experian has verified that the information is accurate as reported, we must respectfullydecline the consumer's request to remove the disputed information from the personal credit report.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

We apologize for any misunderstanding or inconvenience.  As a consumer you are indeed entitled to dispute inaccurate information on your credit report. However this complaint is handled in a different Experian(R) office and we have forwarded your correspondence to the following division for...

review and response.Experian®P.O. Box 9701Allen, TX 75013Toll Free Telephone Number: 888-397-3742Because we are unable to assist with this issue, it is recommended that you contact Experian® directly.Thank you for allowing me to assist you in this matter.

March 31, 2017Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE Luis Rodriguez Complaint ID #12025749Dear Revdex.com:On March 30, 2017, our office received your correspondence of March 17, 2016, regarding the above mentioned consumer's rebuttal of our response to his complaint.We are currently investigating the HUDSON CTY PROBATION account #CS32707xxxx with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.Our records indicate that a public record ljudgment does not appear on the consumer's current Experian credit report.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. 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. 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).According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute. In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact Creditors directly to dispute items reported by the Creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal Credit report.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,Michael Lonergan Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 4159CC. Luis Rodriguez

July 15, 2015Revdex.comServing San Diego, Orange 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 6, 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

January 12, 2017Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REFi [redacted]Dear Revdex.com:Our office recently received your correspondence of January 3, 2017 regarding the...

above mentioned consumer's personal credit report.We are in the process of providing the consumer with their current Experian personal credit report.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its Commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please Contact our office if you have any questions.Sincerely,[redacted] MCE Experian Consumer Affairs Senior Regulatory Affairs Associate 214726 [redacted]CC C[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 made three attempts to resolve this matter on my own and still there were no resolution. What I ask them to supply they continued to not provide the information.
Regards,
[redacted]

August 27, 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 August 19, 2015 regarding the above...

mentionedconsumer's complaintWe have mailed a current credit report directly to the consumer for review. If there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdispute. Examples 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 be. Please 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 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 [redacted] if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services[redacted]