Experian

December 15, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com.Our office recently received your correspondence of December 8, 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.Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough 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.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 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 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.Sincerely, [redacted]

[redacted] strives to achieve a high level of customer service for all the consumers they assistLet me assure you that [redacted] takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

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

Revdex.com: I have searched high and low to find what this mystery account is that apparently has (coincidence?) the same account number (As far as I can see, although the last are X's), but even [redacted] has no infoTo my knowledge, there is no account and never has beenIf there is, I would like the account number as well as my signed agreement that I entered into the said debt so I can call them and resolve itIf you can provide that info to me I will consider the issue resolvedIf not, I expect it to be deleted as an obvious error of duplicate record Regards, [redacted]

March 30, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] ID # [redacted] REF #: [redacted] Dear Revdex.com:Our office recently received your rebuttal of March 22, 2017, regarding the above mentioned consumer's complaint.Weapologize for any inconvenience MrJones experienced in his previous telephone contact with ExperianAppropriate actions are being taken to ensure that any customer service issues are addressedIn the future, the consumer may contact me directly at the number listed below and I will assist him in any way that I can.if 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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] on behalf of [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs***CC [redacted] ***

Yes there is a third party working on my credit by the name Client Services Team phone number [redacted] Thanks [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 [Its funny how the same letters and faxes were sent to all credit bureaus but Experian is the only one not updating, correcting or removing information, it's like they want to go back and forth and come up with excuses why people at there location seems to be dropping the ball and even after I sent copy of my license and voters they still sent me a letter misspelling my name and they still sent my old addresses and jobs haven't worked at in over 10yrs it's so much stuff on my report that is old and no matter how ,any times I send or fax information they refuse to update me correct but all the other credit bureaus seemed to get it, understood it me updated and corrected, so if Experian continues not to update and correct after several attempts then I will pursue further action against the company] 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 am very well versed on the affect of soft/hard inquiriesI pulled my most recent credit report, and all of the inquiries listed in my complaint were reporting at the time of my Revdex.com complaintAs I stated in my previous response to this company, the response from this company is not sufficient and fails to address the fact that I did not authorize them and therefore I am requesting for these inquiries to be from my credit reportThank you in advance for removing the inquiries mentioned from my credit report- and for providing me with an updated credit report showing that they have been removed as requested Thank you.] Regards, [redacted]

November 12, Revdex.com Serving San Diego and Imperial Counties Viewridge Ave., # San Diego, CA [redacted] Dear Revdex.com: Our office recently received your correspondence of November 4, 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 itern as requested or delete the information, In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the 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 our office if you have any questions Sincerely, [redacted] Senior Regulatory Affairs Associate

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

I [redacted] do give [redacted] [redacted] [redacted] to be a third party to act on my behalfThank you

Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of March 1, regarding the above mentioned consumer's rebuttal of our response to her complaint.We are responding to the consumer's request to remove a name or Social Security number on the personal credit reportWe store information based on identification information provided to us by credit grantors and providers of public recordsThis is historical information and will remain on file.Additionally, we have mailed a current credit report directly to the consumer for reviewIf the consumer has additional information regarding disputed information, please provide itPlease specify the item or account name and number along with the consumer's specific disputes and the additional informationPlease 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 youPlease contact me directly if you have any questions.Sincerely, [redacted] on behalf of Michael Lonergan Senior Regulatory Affairs Associate Experian Consumer Affairs214726***CC [redacted] ***

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] A [redacted] Complaint ID # [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your rebuttal of April 5, 2017, regarding the above mentioned consumer's complaint.If 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.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 Experian Consumer Affairs ***CC [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 Regards, [redacted] First: According to the Fair Credit Reporting Act as part of the investigation the credit report agencies has duties and one of their duties they must notify the creditor of my dispute And if the creditor does not response then the credit report agency must delete the item off my credit report immediatelyAnd the credit report agency has not notify the creditor of my dispute I call the Bankruptcy Court to see has anything where sent to them by Experian Credit Report Agency and that stated: NO The second thing when I dispute and items the credit report agency must put it on my credit report as a dispute, and they did not put it on my credit report as a dispute I have a copy of the duties that the Credit Report Agencies must do under the Fair Credit Reporting Act And Experian has violated the Fair Credit Reporting Act.One: They did not Contact the Creditor of my dispute.Two: They did not put it on my Credit Report as a dispute.I Request that Experian immediately remove/delete the Bankruptcy off my Credit Report Sincerely, [redacted] ***

Good eveningMy husband and I are aware that a third party, [redacted] is filing a complaint on our behalfWe okay ed them to do so.Sincerely, [redacted] and [redacted]

To whom it may concern: Yes, I do have a third party working on my creditThe company is [redacted] * [redacted] * [redacted] Thanks! [redacted]

July 30, 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 July 22, regarding the above mentionedconsumer's personal credit report.Our records indicate that we have previously contacted [redacted] to verifythe accuracy of the information with which the consumer disagreesThe disputed information wasverified 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, underthe FCRA, to add a oo-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.Our records indicate that the additional disputed information does not appear on the consumer'scurrent Experian credit report.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 if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***

April 7, 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 March 30, regarding the above mentioned Consumer's rebuttal of our response to her complaint.Our records indicate that the disputed name information does not appear on the consumer's current Experian Credit reportWe have mailed an Experian credit report directly to the consumer for review.We have mailed a current credit report directly to the consumer for reviewIf the consumer has additional information regarding disputed information, please provide itPlease specify the item or account name and number along with the consumer's specific disputes and the additional informationPlease 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 youPlease contact me directly if you have any questions[redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***

January 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 of December 23, regarding the abovementioned consumer's rebuttal of our response to his complaint.Today I again attempted telephone contact with Mr [redacted] and left a detailed message with mycontact informationIf Mr [redacted] continues to have questions or concerns regarding his Experiancredit report, he may call me directly at ###-###-#### and I will assist him in any way that I can.Our records indicate that the disputed information does not appear on Mr [redacted] 's current Experiancredit reportWe have mailed an Experian credit report directly to the consumer for review.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

I [redacted] have authorized [redacted] to file a complaint on my behalf [redacted] , [redacted]