Experian

Dear Revdex.com:Our office recently received your correspondence of August 30, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the disputed bankruptcy information with which the consumer disagrees. Upon completion of this process, we...

will provide the results of our investigation directly to the Consumer.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 does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record information. Experian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).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 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, 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.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

My name is [redacted] and I am authorizing the 3rd party company to work on my behalf. The information for the third party company is listed below.
[redacted]
[redacted]
[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]

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 trying to get a dismissed Chapter 13 bankruptcy removed from my file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from "date of adjudication" or date of "order of relief". Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. THIS COMPANY WILL NOT ALLOW YOU TO DISPUTE INFORMATION AND TRY TO GET IT DELETED OR UPDATED. IF ITEMS CAN NOT BE DISPUTED, THEY HAVE NO RIGHT TO REMAIN ON MY CREDIT REPORT I AM ASKING THAT THE BANKRUPTCIES BE DELETED AS WELL AS COLLECTIONS ITEMS. IT IS MY RIGHT TO DISPUTE INFORMATION ON MY CREDIT REPORT A MILLIONS TIMES IF I CHOOSE TO. YOU ALL ARE BEING PAID TO REPORT THIS INFORMATION SO I SHOULD BE ABLE TO DISPUTE AND IF I CANT DISPUTE IT, IT SHOULD BE DELETED FROM FILE. I SHOULD NOT HAVE TO SEND IN MY INFORMATION TO VERIFY ANYTHING. I HAVE HAD CREDIT REPORTS SENT TO ME BEFORE AND THERE WAS NEVER AN ISSUE WITH MY ADDRESS. YOUR REQUEST FOR A COPY OF MY DRIVER'S LICENSE HAS NOTHING TO DO WITH ME DISPUTING INFORMATION ON MY CREDIT FILE.I WANT BANKRUPTCY AND COLLECTION ITEMS DELETED FROM MY CREDIT REPORT.
Regards,
[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

Revdex.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 April 25, 2017 regarding the above mentioned consumer's rebuttal of our response to her complaint.Our records indicate we previously investigated the disputed bankruptcy on February 15, 2017 and April 3, 2017, at the source the U.S. Bankruptcy Court in St. Louis, MO. The information was verified as accurately reported. The results of the investigations were mailed directly to the consumer.Additionally, on December 29, 2010, we received bankruptcy documents directly from the consumer confirming the bankruptcy information.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their dispute. The statement will appear with the item as long as the item remains on the credit report. Any further concerns regarding the disputed information may need to be directed to the source of the information, the US Bankruptcy Court in St. Louis, MO at 111 S 10th St, St. Louis, MO 63102, telephone 314-244-4500. If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to US for review.Thank you for allowing me to assist you. Please contact our office if you have any questions.[redacted]
[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]

April 18, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE. [redacted] Complaint # [redacted]
Ref # [redacted]Dear Revdex.com.Our office recently received your correspondence dated April 8, 2016, regarding the...

above mentioned consumer's Experian credit report.Our records indicate that the disputed [redacted] account is appearing as [redacted] stated on his personal credit report. We are in the process of forwarding the consumer a current credit report for review.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification system. We ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within 30 days of the date that we received the consumer's request. Once we receive their response, we send the consumer the results of the investigation. If we do not receive a response within 30 days we update the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's dispute. If the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit report. The FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputes. Please forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directly.[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]Sincerely,

I [redacted] am stating that I have hired a 3rd party company named: [redacted]
[redacted] 
[redacted] ** [redacted]
[redacted] 
[redacted]
   [redacted]

March 30, 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 22, 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 August 30, 2017, regarding the above mentioned consumer's personal credit report.To assist you, we must verify the consumer's current delivery address. Please send us one copy of a government issued identification card,...

such as a driver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays the Consumer's name and current mailing address, and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.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]

January 12, 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 January 4, 2016 regarding the above mentioned consumer's personal credit report.Our records indicate that we have not previously received this complaint from the Revdex.com.Additionally, our records indicate that we have contacted the data furnisher to verify the accuracy of the information with which the above mentioned consumer disagrees. The disputed information was verified as accurately reported and confirmation was mailed to the consumer for review.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their dispute. The statement will appear with the item as long as the item remains on the credit report. Any further concerns regarding the disputed information may need to be directed to the creditors reporting this information. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available). If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us 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 AssociateConsumer Affairs Special Services [redacted]

[redacted]
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]

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]

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 October 26, 2017, regarding the abovementioned consumer's personal credit report.We are currently investigating the [redacted] 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 we have contacted the data furnisher to verify the accuracy of the additional information with which the consumer disagrees. The disputed information was verified as accurately reported and confirmation was mailed to the above-mentioned consumer for review.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 their dispute as required by law. We contact the furnisher of the data to verify the accuracy of the disputed information.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their dispute. The statement will appear with the item as long as the item remains on the credit report. Any further concerns regarding the disputed information may need to be directed to the creditors reporting this information. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available). If the Consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review.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  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 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 documents. Consumers may also contact Creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer Credit reporting agency must offer to include a consumer statement on the personal Credit report.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its Commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely, [redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 2147264O68[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]

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]

Two Closed Accounts Reporting inaccurate information on my credit report. COMENITY BANK/GORDMANS ..please removed from credit report this company is no longer in business. That's why its an closed account. FIRST PREMIER BANK...please remove this was paid for delete.This account was paid to zero.  Remove inaccurate information from my report.

::::: ExperianDecember 8, 2015Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123Re: [redacted] Complaint # [redacted]Ref. [redacted]Dear Better...

Business Bureau.Our office recently received your correspondence dated November 30, 2015, regarding the above mention consumer's personal credit report.The last address supplied in to Experian in regards to the consumer's correspondence has never been reported to us previously by one of their creditors. To assist you, we must verify the consumer's current delivery address.Please have the consumer mail us one copy of a government issued identification card, such as adriver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays their 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. Upon receipt I will promptly research the consumer's concernsand respond accordingly.Please feel free to contact our office directly if you need further assistance.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

::::: 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]