Experian

::::: ExperianDecember 16, 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 December 8, 2015...

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 of 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 furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).

July 21, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]Ref#: [redacted]Complaint # [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

Yes there is a third party representing me

To Whom It May Concern, I [redacted] hereby authorize [redacted] to act on my behalf in regards to this complaint.[redacted] - ###-###-####Thanks,[redacted]

February 14, 2017Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE Alando SWain Complaint ID # [redacted]REFi [redacted]Dear Revdex.com:Our office recently received your correspondence of February 3, 2017 regarding the...

above mentioned consumer's personal credit report.We are currently investigating the account information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.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.By federal law, your personal Credit report must list all organizations that have requested your Credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about Credit information. For example, organizations that have granted you Creditor with whom you have applied for Credit, or entities Collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your Credit report. Requests for your Credit history remain on the personal Credit report for at least two years.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 guestions.Sincerely,[redacted] MCE Experian Consumer Affairs

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

Dear Revdex.com:Our office recently received your correspondence of June 20, 2017 regarding the above mentioned consumer's rebuttal of our response to their complaint.Our records indicate that investigations of the dispute information were completed on multiple occasions. In each instance, the creditors responded that the accounts were accurately reported. The results of each investigation were provided 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.If the consumer has any additional supporting documentation regarding the disputed information, they may forward it directly to me for review.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]

::::: ExperianDecember 11, 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 December 3, 2015...

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 of 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 furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available). Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

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]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]
[redacted]
Dear Revdex.com:Our office recently received your correspondence of December 9, 2016 regarding the above mentioned consumer's rebuttal of our response to his complaint.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 Withdra WW”.For information regarding our Registered Agent in the state of California, you may contact the California Secretary of State's office.Thank you for allowing me to assist you. Please Contact our office if you have any questions.Sincerely,[redacted]
[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]

May 3, 2016Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: [redacted] Complaint ID: [redacted] REF# [redacted]Dear Revdex.com.Thank you for submitting your complaint dated 04-25-2016, regarding the above mentioned...

consumer. We appreciate that your office took the time to let us know about their experience with our company.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 additional assistance, the consumer may call me directly at [redacted], or write to Experian at P.O Box 1240, Allen, TX 75013. 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]

I would like to respond to the complaint for [redacted] yes there is a 3rd party working on my credit. They are [redacted] and the complaint is regarding Experian. Please let me know if there is anything else you need from me.

September 24, 2015Revdex.comServing San Diego, Orange and Imperial Counties47 47 Viewridge Ave , #200San Diego, CA 92123RE [redacted]REF# 63420610Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of September 16, 2015 regarding the abovementioned consumer's rebuttal of our response to her complaint.We are presently investigating the [redacted]account as requested by the consumer in her correspondence of 09/11/2015. We will provide theresults of the investigation to the consumer upon completion.Today I contacted [redacted] directly by telephone at [redacted] andspoke with [redacted] at extension #[redacted]. Unfortunately, they are not able to discuss the account with mewithout the consumer's authorization. The consumer can provide that authorization by contacting Tinaat the telephone and extension number above.Our records indicate this account was previously investigated on 09/14/2015, 09/08/2015, 08/27/2015,08/14/2015, 07/10/2015, and 01/30/2014. In each instance, the information was verified as accurateby the creditor with results being provided directly to the consumer.Because the information was confirmed accurate, at this time we must respectfully decline her requestto remove it from her Experian credit report. If the consumer has any additional supportingdocumentation or information regarding the disputed account, she may forward it directly to me forreview.Additionally, our records indicate that a description of the dispute process was provided to theconsumer on 09/23/2015, 09/21/2015 and 08/24/2015. To assure receipt of this description, we haveincluded it below.When a consumer disputes the accuracy or completeness of information on their personal creditreport and tell us specifically why they believe the information is inaccurate or incomplete, we processthe dispute as required by law. We contact the furnisher of the information or the vendor thatcollected the information from a public record source such as a court or other government office. Weask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of theinformation regarding the item the consumer disputed, and report back within 30 days of the date thatwe received the request We review and consider the response to determine whether to accept it,reject it, or follow up for additional information. If we do not receive a response from the furnisher orthe vendor within the required period, we update the item as requested or delete the information, andsend the consumer the results 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. In some instances, uponreviewing the credit file and any relevant information the consumer has submitted to us, we are able todetermine whether the disputed information should be changed or deleted without having to contactthe furnisher or the vendor. After we complete our processing, we send the consumer the results.If the consumer disagrees with the results of the reinvestigations, it is her legal right, under the FCRA,to add a 100-word statement specifying the nature of her dispute. The statement will appear with theitem as long as the item remains on the credit report Any further concerns regarding the disputedinformation will need to be directed to the source of the information.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services[redacted]

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]

November 20, 2014Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Case # [redacted]Dear Revdex.com:Our office recently received your correspondence of November 12, 2014 regarding the abovementioned...

consumer's personal credit report.An Extended Security Alert has been added to the consumer's credit report. This message, which willexpire after 7 years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.Based upon the documentation provided, we have blocked the fraudulent items from the consumer'sExperian credit report and notifying the respective creditors of our actions. We are forwarding anupdated Experian credit to the consumer for review.If there is additional information appearing on a credit report that is believed to be inaccurate orincomplete, 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 datais incorrect, the consumer should also indicate what the correct information should be. Please specifythe 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 dateof birth). Also, please include one copy of a government issued identification card, such as a driver'slicense, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assist. Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

This is to confirm (yes) that there is a complaint submitted against Experian and that I have authorized a 3rd party company to filed a complaint with the Revdex.com on my behalf. The name of the 3rd party company is [redacted]. Phone...

###-###-#### Fax ###-###-####
 
Thanks

May 14,2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]Ref#: [redacted]Complaint #: [redacted]Dear Revdex.com:Our office recently received your correspondence dated May 1, 2015, regarding the above...

mentionedconsumer's Experian credit report.Experian is committed to the protection of each consumer's privacy. Therefore, we disclose thepersonal credit report only to the requesting consumer who is the subject of the information. We arein the process of providing the current personal credit reports to the consumer for review.Thank you for allowing us to assist you in this matter.Sincerely, [redacted]Senior Regulatory Affairs Associate