Experian

Dear Revdex.com:Our office recently received your correspondence of September 7, 2017, regarding the abovementioned 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 ConsumerJudgments, 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 of other government office either electronically or by US Mail. We ask the furnisher or the vendos 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 beAddition 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). Page 2Experian 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 [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'm including my personal document and letters I wrote to Experian-[redacted]- Consumer Affairs Specialist Service-Dispute Department. I am requesting a review of credit report file. So you need to re-open this case #[redacted] You need to contract Mr. [redacted] ###-###-#### ASPS! I can be reached at work  ###-###-####. Looking forward to hear from you soon. (see attached documents)
Regards,
[redacted]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA *2123RE [redacted] Complaint ID # [redacted]REF# [redacted]Dear Revdex.com:Our office recently received your correspondence of June 21, 2017 regarding the above mentioned...

consumer's personal Credit report.According to our records, the GATEWAY ONE LENDING account #[redacted]xxx appears as stated on the consumer's current Experian credit report, as an account in good standing with no late payments reported. A copy of the current Experian credit report is being mailed directly to the Consumer for review.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]CC. [redacted] Ogans

Dear Revdex.com:Thank you for your recent correspondence dated August 15, 2017, regarding the above mentioned Consumer. Our records indicate that we previously conducted an investigation regarding the disputed information and have provided the results of our investigation directly to the consumer.if a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal credit report because every action that relates to credit may become part of the credit history. So even though the court did not allow the filing of the bankruptcy or the bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal credit report.According to the Fair CreditReporting Act (FCRA), Section 605 (d) (1), if a bankruptcy is withdrawn before a final judgment "the consumer reporting agency shall include in the report that such case was Withdrawn".The bankruptcy dismissed/withdrawn status will remain on the consumer's Experian credit report for seven years from the filing date.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 information. Therefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer Credit reporting agency.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 data furnisher reporting this information. If you have any additional supporting documentation regarding the disputed information, please forward that to my attention for review.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 data furnisher. If the issue is not resolved, then the Consumer Credit ; , reporting agency must offer to include a consumer statement on the personal Credit report. 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]

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 a
victim of identity theft, I provided the police report and the FTC id theft
report, your violated the FCRA by refusing to block all the fradulent
information.  Your company is still
reporting fraudulent accounts on my file. You were required by law to remov them immediate effect. I feel absolutely agrieved that I as the victim am being treated as the dishonest party.  As it is , it is a tramatic experience to have your ideniity stolen, and now I have to go through so much trouble to simply enforce my rights as a victim.  I will be hiring an attorney and suing for your
refusal to accept my identity theft filing. The Revdex.com can refer to the attached letter and FCRA § 605B (15
U.S.C. § 1681c-2). I want the Revdex.com to list this as an unresolved complaint where the credit bureau refused to block fraudulent information. I want this complaint to be listed as a complaint where the business violated the FCRA. I will be refering this matter to my attorney and filing suit no later than January 5th. 
Regards,
[redacted]

Dear Revdex.com:Our office recently received your correspondence of October 27, 2017 regarding the abovementioned consumer's complaint.The Credit score is a mathematical summary of the credit history using Sophisticated statistics and mathematical equations to calculate the summary....

Numerical values are assigned to various pieces of information in a credit report, resulting in the risk score. The credit score changes over time as a consumer continues to develop their credit history, and may change from day to day as Credit history is updated.The interpretations of risk scores differ according to the need and requirements set by the various credit grantors, and may indeed vary on a daily basis. Similarly, different credit grantors can view the same risk score differently, depending on their experiences with other consumers scoring in the same range, their marketing plans, their business niche and many other factors. Experian is not privy to the values assigned to the information appearing on a consumer's Credit report. That information would be considered proprietary to the credit grantor. Additionally, not all creditors report credit information to all three of the credit bureaus. For this reason, each bureau's credit report can have different information causing credit scores from bureau to bureau to vary, at times by a substantial amount.Credit scores are generated based solely upon the credit guidelines determined by a potential Credit grantor. A credit score may be different from lender to lender depending on the type of Credit scoring model used. The interpretations of credit scores differ according to the need and requirements set by the various credit grantors, and may also vary on a daily basis.Common questions that many consumers have regarding their credit scores are "why didn't my score go up?" or "what can I do to make my score go up?" For example, you might ask if closing two installment accounts would improve your credit score. While this question may appear to be easy to answer, there are many factors to consider. Simply closing two accounts not only lowers the number of open installment accounts (which generally will improve your score) but it also lowers the total number of all open accounts (which generally lowers your score).Furthermore, such an action will affect the average age of all accounts that could either raise or lower your score. As you can see, one seemingly simple change actually affects a large number of items on your credit report. Therefore, it is impossible to provide an accurate assessment of how one specific action will affect your credit score. A credit score is based entirely on the information found on your personal credit report. Any change to your Credit report could affect your score.  For these reasons, the score cannot be "disputed". However, if there is information appearing on a Credit report that is believed to be inaccurate or incomplete, we are able to investigate that specific information. Inaccurate information on the credit report could possibly be the cause of an inaccurate score. We have mailed a current credit report directly to the consumer for review. If the consumer believes there are inaccuracies on their credit report, we must have a specific dispute. 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 me directly if you have any questions.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]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.
I have tried accessing the link that the company has provided and it is not working. It says the followingSystem Temporarily UnavailableWe are currently unable to process your request.Please try again later.We apologize for the inconvenience. I realize your systems are probably overloaded given recent events so this link will probably work once things settle down but it's not working now and I can't have this case closed without my desired resolution attained. Thank you for your response.
Regards,
[redacted]

March 18, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Thank you for your recent correspondence of January 26, 2015 regarding the above...

mentionedconsumer.Our records indicate that we contacted [redacted] to verify the accuracy of account #[redacted]xxxxon 02/03/2015 and again on 02/19/15. As a result of our investigation of 02/19/2015, the creditorupdated the account to Paid in Full with no debt owed. Additionally, the creditor confirmed thepayment history of the account as accurate, indicating that the account was 30 days late in 04/2011,02/2012, 03/2012 and 05/2012. Results of these investigations were provided to the consumer forreview.The creditor may report the timeliness in which the payments were made. Potentially negative items,such as missed or late payments, remain on the personal credit report for seven years from the dateof the original missed payment.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's rolein the dispute process is to review the accuracy and completeness of any disputed item which mayinclude contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's dispute. If the issue is not resolved, then the consumer creditreporting agency must offer to include a consumer statement on the personal credit report. TheFCRA does not require that the consumer credit reporting company obtain documentation such as theactual signed sales slips, signature cards, contracts, etc.; nor does it require that consumer creditreporting agencies act as mediators or negotiators in account disputes.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 number (if available).If the consumer has any additional supporting documentation regarding the disputed information, theymay forward that to us for review.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

October 30,...

2014
Revdex.com
Serving San Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA 92123
RE: [redacted]
Your Complaint ID: [redacted]
To Whom It May Concern:
Our office recently received your correspondence regarding Mr. [redacted]'s request for his credit report
and disputes.
In order to process Mr [redacted]'s request, we will need all of his identification information. Pursuant to
the federal Fair Credit Reporting Act, Section 610, a consumer reporting agency shall require the
consumer to furnish proper identification. The proper identification to access an Experian credit
profile includes full name (including generation), social security number, date of birth and complete
addresses for the past 2 years.
Mr. [redacted] should mail us one copy of their government issued identification card, such as a driver's
license, state ID card, military ID card, etc., and one copy of her utility bill, bank or insurance
statement, etc. they should make sure that each copy is legible (enlarge if necessary), displays his
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.
Mr. [redacted] should forward the requested information to my specific attention at Experian, [redacted] TX 75013-1240. Upon receipt of the requested information, I will begin an
investigation into his concerns.
Thank you for allowing me to assist you in this matter.
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 May 10, 2017, regarding the above mentioned...

consumer's Experian credit reportIf a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal credit report because every action that relates to credit may become part of the credit history. So even though the Court did not allow the filing of the bankruptcy or the bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal credit report.According to the Fair CreditReporting Act (FCRA), Section 605(d) (1), if a bankruptcy is withdrawn before a final judgment "the consumer reporting agency shall include in the report that such case was withdrawn".The bankruptcy dismissed/withdrawn status will remain on the consumer's Experian credit report for seven years from the filing date.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 Associate Experian Consumer Affairs

[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 any...

questions.Sincerely,[redacted]Senior Regulatory Affairs AssociateExperian 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 4 are X's), but even [redacted] has no info. To my knowledge, there is no account and never has been. If 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 it. If you can provide that info to me I will consider the issue resolved. If not, I expect it to be deleted as an obvious error of duplicate record.
Regards,
[redacted]

August 25, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID #[redacted]REFif 1283 14298Dear Revdex.com.Our office recently received your correspondence of August 17, 2016 regarding the above...

mentioned consumer's personal credit report.Our records indicate that We have previously contacted [redacted] regarding account i[redacted] and account [redacted] to verify the accuracy of the information with which the Consumer disagrees. The disputed information was verified as accurately reported by the Creditor and results were mailed to the Consumer for review.Our records further indicate that the additional disputed information 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 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.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.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the Consumer questions the results of the dispute process, then they may want to Contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of Customer service for all the Consumers they assist. Let me assure you that Experian takes its Commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]

January 12, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Thank you for your recent correspondence of January 2, 2015 regarding the above mentionedconsumer's...

Experian credit report Our records indicate that we have previously investigated [redacted]. Investigations were initiated on 4/25/2009 and 04/8/2014. Ineach instance, the information was verified as accurately reported and confirmation was mailed to theconsumer for review.When a consumer disputes the accuracy or completeness of information on their personal creditreport and tells us specifically why they believe the information is inaccurate or incomplete, weprocess their dispute as required by law. We contact the source of the data to verify the accuracy ofthe disputed information.Judgments, Tax Liens and Bankruptcies are a matter of public record. Although the court where thedisputed public records are filed may not report this type of data, a vendor may collect this datadirectly from the court's public records and supply that information to Experian.On 1 0/27/2014 at the request of Ms [redacted], we mailed copies of the court documentation obtainedduring the investigations to the consumer that indicate her full name, [redacted], and the last 4digits of her Social Security number.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 source, [redacted].[redacted] Linden, TX 75563, Telephone ###-###-####. If the consumer has any additionalsupporting 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 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

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted]Dear Better BUSimeSS Bureau:Today our office received your Correspondence of January 31, 2017 regarding the above mentioned consumer's rebuttal of our response to his complaint.On February 15, 2017 we were in contact with the consumer directly by telephone and we were able to address her concerns and answer her questions regarding the retention of derogatory account information on her Experian credit report.If the Consumer has additional questions or Concerns regarding her Credit report, she may contact me directly at 214-726-[redacted] and I will assist her in any way that I can.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 [redacted]

::::: ExperianDecember 4, 2015Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted]REF# [redacted]Dear Better BUSineSS Burea.Our office recently received your correspondence of November 25, 2015 regarding the above mentioned consumer's rebuttal of our response to his complaint.We are presently investigating the information with which the consumer disagrees. Investigations can take as long as 30 days to reach a conclusion. Upon completion of this process, we will provide the results of our investigation directly to the consumer.We have mailed a current credit report directly to the consumer for review. If there is additional 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.Thank you for allowing me to assist you. Please contact me directly at 214-726-4159 if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

January 19, 2017Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID #[redacted]REFi 13O497998Dear Revdex.com.Our office recently received your correspondence of January 10, 2017, regarding the...

above mentioned Consumer's personal Credit report.We have mailed a current credit report directly to the consumer for review. 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 andUmber.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 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 AssociateExperian Consumer Affairs 214726 [redacted]

Yes a 3rd party is working on my credit and they are [redacted].  You can contact them @###-###-####.  Thank you