Experian

Dear Revdex.com:Our office recently received your correspondence of October 9, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which ttE consumer disagrees. Upon completion of this process, we will provide the...

results of our investigation directly to the consumer for review.Please feel free to contact our office directly if you need further assistance.Sincerely,[redacted] Senior Regulatory AffairsAssociate Experian Consumer Affairs[redacted]

January 6, 2016Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: [redacted] Tinney Your Complaint ID: [redacted] Ref #: [redacted]
Dear Better EUsiness Eureau.Our office recently received your correspondence regarding the above...

mentioned consumer's personal credit report.Our records indicate that the disputed account was updated by the data furnisher on January 4, 2016, to show it as paid and current as of December 2, 2015. Experian is in the process of forwarding a copy of the consumer's report to him for review and confirmation.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]

March 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 March 18, 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

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. I received confirmation in written form that the afore-mentioned inquires have been removed from my credit report.
Regards,
[redacted]

That sounds great, as long as they are going to check with them and ask for correspondence from them. These accounts are past the 7 year reporting period. I just want these accounts deleted.  The creditors have submitted the removal and said I would have to go through Experian, because the obligation lies on them.[redacted] was the primary lender, [redacted]l was noticed on 04/27/2009, but refused to attend the initial meeting, any subsequent meetings, or the settlement conference. On 06/29/2009 [redacted]l was found to be in default. Per the 06/29/2009 order of the court, "a default is hereby entered in this action against [redacted]l named in the foregoing motion for failure to serve or failure to file any paper as required by law"The property was sold short in 2012 to a private investor. As part of the 07/17/2012 stipulation to judgment, [redacted] agreed to forgo any credit bureau reporting and no negative third-party disclosure was to take place. The obligation was cleared, no proceeds from the sale were left, [redacted]l and no subsequent secondary obligation purchasers (i.e. [redacted] or [redacted]) can arbitrarily and or unilaterally violate the agreement because [redacted]l failed to meet their legal obligation.
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]

Yes there is a third party representing me

Dear Revdex.com:Our office recently received your correspondence of August 14 2017, 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 for review.Please feel free to contact our office directly if you need further assistance.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

April 16, 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 April 9, 2015 regarding the above...

mentionedconsumer's personal credit report.We are currently investigating the [redacted] (original amount $344,000) with which theconsumer disagrees. Upon completion of this process, we will provide the results of our investigationdirectly to the consumer.In the complaint, the consumer refers to "submitted documents". I was unable to locate this submittal.If there is additional information regarding the disputed information, please forward it directly to myattention.The additional disputed account, [redacted] (original amount $86,000) is appearing as aclosed / transferred account in good standing, with no balance owed. Positive information, forexample Closed I transferred accounts with no late payments, may remain on the report indefinitely,although closed I transferred accounts generally display for up to 10 years from the date closed andtransferred.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

February 3, 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 January 27, 2015 regarding the above...

mentionedconsumer's personal credit reportWe are in the process of providing the consumer with their current Experian personal credit reportExperian 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

Our office recently received your correspondence of July 31, 2017, 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 investigatioi, to verify all of the information regarding ti ' ' ' 'em, 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 disputer for lot in the Credit report directly with the furnisher Of the infOrmatIOn.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.  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 youSincerely,[redacted] Senior Regulatory Affairs Associate

RE [redacted] Complaint ID #[redacted]REF: [redacted]Dear Revdex.com:Our office recently received your correspondence of September 27, 2016 regarding the above mentioned consumer's personal credit report.We are currently investigating the disputed information with which the consumer...

disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.If the Consumer has additional information regarding the disputed information, please forward it directly to my attention 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. 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 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,Michael Lonergan Senior Regulatory Affairs Associate

May 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...

May 12, 2015 regarding the above-mentionedconsumer's complaintWe 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 fells 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 collectedthe information from a public record source such as a court or other government office. We ask thefurnisher or the vendor to conduct a thorough and complete investigation to verify all of theinformation regarding the disputed item, and report back within the time frame required by law. Wereview and consider the response to determine whether to accept it, reject it, or follow up foradditional 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, asappropriate, based upon the dispute and the results of our processing. If we do not receive aresponse from the furnisher or the vendor within the required period, we update the item as requestedor 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. After we complete ourprocessing, we send the consumer the results.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 me directly if you have any questions.Sincerely, [redacted]Senior Regulatory Affairs Associate

July...

21, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]Ref #: 6247597 5Complaint # [redacted]Dear Revdex.com:Our office recently received your correspondence dated July 9, 2015, regarding the above mentionedconsumer's Experian credit report.We are currently investigating the disputed information. Upon completion of this process, we willprovide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directlyby letter, telephone, or through an automated verification system. We ask the source to check theirrecords to verify all of the information regarding the item questioned, and report back to us within 30days of the date that we received the consumer's request. Once we receive their response, we sendthe consumer the results of the investigation. If we do not receive a response within 30 days weupdate the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the disputeprocess is to investigate the information to determine the accuracy and completeness of any disputeditem by contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's dispute. If the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit report. The FCRAdoes not require that the consumer reporting agency obtain documentation such as the actual signedsales slips, signature cards, contracts, etc.; nor does it require that consumer reporting agencies actas mediators or negotiators in account disputes. Please forward any documentation directly to thecreditor for review.Please refer to the original Experian personal credit report for the business name, address, and phonenumber (if available) of the source that verified the information.If I may be of further assistance, please contact me directly.Sincerely, [redacted]Senior Regulatory Affairs Associate

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

regarding the above-mentioned [redacted]'s personal credit report. We are currently investigating the [redacted] account with which the [redacted] disagrees. Upon completion of this process, we will provide the results of our investigation directly to the [redacted]. Our records indicate that we have contacted the additional data furnishers to verify the accuracy of the information with which the [redacted] disagrees. The disputed information was verified as accurately reported and confirmation was mailed to the above-mentioned [redacted] for review. If the [redacted] disagrees with the results of the reinvestigation, it is the [redacted]'s legal right, under the FCRA, to add a 1DO-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 [redacted] 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 [redacted]s 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,

::::: ExperianNovember 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 October 23, 2015 regarding the above mentioned consumer's rebuttal of our response to his complaint.Our research indicates that we have no record of receiving requests for investigation prior to the consumer's most recent request received on 10/08/2015 and processed on 10/15/2015. The investigations initiated at that time were completed on 10/21/2015 and results were mailed directly to the Consumes.Today we have mailed a current Experian credit report 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. We are unable to investigate inaccurate information on the credit report without knowing which item or account is inaccurate along with the specific nature of the inaccuracy. Please specify the item(s) or account name(s) and number(s) along with the specific dispute(s).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]

December 13, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]Dear Revdex.com.Our office recently received your correspondence of December 13, 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.Potentially negative payment history is removed seven years from the missed payment. Most public record items, which are obtained from courts and other government offices, remain on the personal credit report for seven years, except Chapters 7, 11 and 12 bankruptcies, which remain for 10 years. Unpaid tax liens will remain for 10 years from the filing date, and paid tax liens will remain 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.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 me directly if you have any questions.Sincerely,[redacted]

RE. [redacted] Complaint # [redacted]Ref # [redacted]Dear Revdex.com.Our office recently received your correspondence dated October 6, 2015, regarding the above mentioned consumer's Experian credit report.We are currently investigating the disputed information. Upon completion of this...

process, we will provide the results of our investigation directly to the consumer.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.If I may be of further assistance, please contact me directly.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

August 5, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]Dear Revdex.com.Our office recently received your correspondence of July 28, 2016...

regarding the above mentioned consumer's complaint.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 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 meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly at [redacted] if you have any questions.Sincerely,[redacted]

I [redacted] authorized the complaint. I have a 3rd party working for me on my behave. [redacted]
[redacted]Thanks [redacted]

Dear Revdex.com:Our office recently received your correspondence of May 30, 2017, 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.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).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 Credit Reporting 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.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)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 our office if you have any questions.Sincerely, [redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]