Experian

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

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 have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below:
Case Description: Beginning July 1, public record data collected for credit reporting purposes, including bankruptcies, civil judgments, and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows:  Minimum reporting of: (1) Name, (2) Address, and (3) Social Security Number and/or date of birth; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. After reviewing my credit file, I have contacted this credit reporting agency via mail and by telephone to ask them to remove this negative public record information from my credit file due to this identifying information not being properly documented in my credit file.
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]

::::: 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).

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.
[redacted] still states that Experian is not verifying my Social Security number or report with them. Not sure if the error is with Experian or [redacted] but whichever one it is, is keeping me from being employed.
Regards,
[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]

[redacted] 
[redacted] ** [redacted] This is the third party u requested information about[redacted]

August 3, 2015Revdex.comServing San Diego and Imperial Counties4 7 4 7 Viewridge Ave #200San Diego, CA 92123RE: [redacted]REF# [redacted]Complaint ID: [redacted]Dear Revdex.com:Thank you for...

submitting your complaint dated 07-22-2015, regarding Mr. [redacted]. We appreciatethat your office took the time to let us know about his experience with our company.Our records indicate that the disputed information, First National Collect, is not appearing on theconsumer's personal credit report. At this time, I am in the process of mailing a current copy of thecredit report to Mr. [redacted] for confirmation. He should receive this report in the 5 to 10 businessdays.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[redacted]

Hello,Please consider this message written consent authorizing the following 3rd party company to file a complaint on my behalf regarding complaint ID [redacted].Company Name: [redacted]Address: [redacted] [redacted]
[redacted]...

[redacted]Website: [redacted]Primary Phone: ([redacted]Fax: [redacted]Thank you,[redacted]

April 13, 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 6, 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 have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[The Fair Credit Reporting Act is "Law" and not to be "interpreted by the reporting agency", which Experian has admitted to in their response statement, thus breaching the Fair Credit Reporting Act with their own admission. Law is a statute by which entities and reporting agencies will abide by, further more the Fair Credit Reporting Act clear states the procedure and protocol. The law below clearly states that Experian must remove the "Dismissed Bankruptcies" from my credit report.Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.Therefore, pursuant to Section 1681(a)(5) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed
Regards,
[redacted]

I [redacted]. [redacted] have asked a third party [redacted] to act on my behalf in helping me to restore my credit.[redacted]

July 7, 2015Revdex.comServing San Diego, Orange 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 June 26, 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

We apologize for any misunderstanding or inconvenience.  As a consumer you are indeed entitled to dispute inaccurate information on your credit report. However this complaint is handled in a different Experian(R) office and we have forwarded your correspondence to the following division for...

review and response.   Experian(R) P.O. Box 9701 Allen, TX 75013   Toll Free Telephone Number: 888-397-3742   Because we are unable to assist with this issue, it is recommended that you contact Experian(R) directly.   Thank you for allowing me to assist you in this matter.

Dear Revdex.com:Our office recently received your correspondence of July 19, 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 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 duestions.Sincerely,M[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]CC. [redacted]s

November 12, 2014
Revdex.com
Serving San Diego 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 of November 5, 2014 regarding the above
mentioned consumer's rebuttal of our response to her complaint.
In the rebuttal, the consumer did not provide details of thier dissatisfaction or additional information
regarding the disputed information.
We have mailed a current credit report directly to the consumer for review. If the consumer has
additional information regarding disputed information, please provide it. Please specify the item or
account name and number along with the consumer's specific disputes and the additional information.
Please provide their complete identification information (Social Security number, full name, current
address, previous addresses in the last two years and date of birth). Also, please include one copy of
a government issued identification card, such as a driver's license, state ID card, etc., and one copy of
a utility bill, bank or insurance statement, etc.
Thank you for allowing me to assist you. Please contact me directly if you have any questions.
Sincerely,
[redacted]
Senior Regulatory Affairs Associate

March 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 March 5, 2015 regarding the above mentionedconsumer's rebuttal of our response to his complaint.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.Our records indicate that we previously conducted investigations regarding the disputed information.[redacted]xxxx, [redacted]xxxx, [redacted]xxxx and [redacted]xxxx, [redacted]
[redacted]xxx and [redacted]xxxx, investigations were initiated on November26, 2014. In each instance we contacted the creditors, providing them with copies of thedocumentation including the ID Theft Affidavit that we had received from the consumer on November21,2014.The creditors verified the accuracy of the accounts and requested that the consumer contact each ofthem directly in order to discuss the identity theft maHer. Results of the investigations were provideddirectly to the consumer. The Consumer can refer to the original personal credit report for the sourcebusiness name, address, and phone number (if available).If the consumer still wishes to have this information blocked, please submit a complete, valid, legibleidentity theft police report (an official report filed with an appropriate federal, state, or local lawenforcement agency, including the U.S. Postal Inspection service or others, the filing of whichsubjects the person who filed the report to criminal penalties if the information filed is false), or a validcopy of a Federal Trade Commission affidavit with a police officer's signature and police reportnumber. The identity theft report should include as many of the following elements as possible:Specific dates such as when the loss or theft of personal information occurred or when the fraud(s)occurred, how you discovered or learned of the theft, any known information about the perpetrator,name or badge number, and signature of the law enforcement personnel who processed thereport, and the filing date and case number. Also, please list each account and account number andany other information that you believe appears on your credit report due to identity theftIf you do not provide Experian with the required information specified above, you will not havesubmitted a valid request to block information in your personal credit report due to an identitytheft and no information will be blocked.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.The FCRA does not require that the consumer credit reporting company obtain documentation suchas the actual signed sales slips, signature cards, contracts, etc.; nor does it require that consumercredit reporting agencies act as mediators or negotiators in account disputes.Regarding the 2 incorrect addresses, we were unable to honor your request based on the limitedamount of information regarding this dispute. If you believe that an address on your personal creditreport is inaccurate or incomplete, please provide specific information regarding the addresses inquestion: house number, street name, city, state and zip code.Thank you for allowing me to assist you. Please contact me directly at ###-###-#### if you have anyquestions.Sincerely,[redacted]Senior Regulatory Affairs Associate

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.
Their response does not address the fact that they lied about verifying these judgments directly with the court. A third party data furnisher is not the Waukesha County Courthouse.Another issue that has arisen since I've filed this complaint is that Experian is unwilling to speak to me about my credit report. I am consistently transferred to an unnamed department that immediately disconnects me. I cannot even leave a message or get transferred. The behavior of Experian is not ethical or acceptable.
Regards,
[redacted]

December 10, 2014Revdex.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 December 5, 2014 regarding the abovementioned consumer'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 itern 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