Experian

::::: ExperianNovember 20, 2015Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Case # [redacted]
REF # [redacted]Dear Revdex.com.Our office recently received your correspondence of November 12,...

2015 regarding the above mentioned consumer's complaint.Using the identification information you provided, we are unable to locate a credit record for the above-mentioned consumer. The consumer either has no credit history or additional identification information is needed in order to access the Credit information. Please forward the ConSUmer's specific disputes along with the consumer's complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth).Please include one copy of a government issued identification card, such as a driver's license, state |D card, etc. and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

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.

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]

June 4, 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 27, 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 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.
I want Experian to provide proof of the debt from the original creditor that the collection agency is reporting. Upon providing proof if it exist I want the date to correspond correctly with the date the debt first went delinquent. This debt has appeared on credit reports by 3 different collection agencies and it continues to re-age the debt as new. 
Regards,
[redacted]

April 19, 2017Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave., #200 San Diego, CA 92123RE: [redacted] Complaint ID #[redacted]REF: [redacted]Dear Revdex.com:Our office recently received your correspondence of April 10, 2017, 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.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 source of the disputed information and informing them of 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,[redacted]

Yes it is okay for the third party of CRE credit repairs to obtain and request information about me. They have filed a complaint on my behalf.Thanks [redacted]

March 24, 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 17, 2015 regarding the above...

mentionedconsumer's complaintWe have mailed a current credit report directly to the consumer for review. If there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdispute. Examples of specific disputes are as follows: "not mine, paid in full, never delinquent orincluded in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed inerror". If the status dates, amounts, balances or other specific data is incorrect, the consumer shouldalso indicate what the correct information should be. Please specify the item or account name andnumber.Please provide the consumer's specific disputes along with their complete identificationinformation (Social Security number, full name, current address, previous addresses in thelast two years and date of birth). Also, please include one copy of a government issuedidentification 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 committeemen 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

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

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

November 8, 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 dated November 1, 2016...

regarding the above mentioned Consumer's personal Credit profile.On November 8, 2016 contacted the consumer directly by telephone and was able to assist him with the security freeze on his Experian credit report. The consumer will be confirmation of the freeze by mail within the next 10 business days.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]

Please consider this requested verification of the complaint filed. Sincerely, [redacted]

Dear Revdex.com:Our office recently received your correspondence of June 12, 2017, regarding the above mentioned Consumer's personal credit report.We are currently investigating the disputed Grand Canyon Unvand [redacted] Company accounts with which the consumer disagrees....

Upon completion of this process, we will provide the results of our investigation directly to the consumer.Our records indicate that the disputed [redacted] account does not appear on the consumer's current Experian credit report.When a consumer disputes the accuracy or completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. Investigations can take as long as 30 days to reach a conclusion. After we complete our processing, we send the Consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]CC. [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[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]

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]

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]

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.
Credit Reprot [redacted] Experian is reporting two collections on my credit report that should not be on there. I have disputed the following collection accounts several times and they have not been properly validated or verified. Midland Funding - [redacted] and National Recovery Agency - [redacted] are not my accounts as I have disputed them, and even filed separated Revdex.com and CFPB complaints about them and Experian still has not deleted it. please delete from my credit report. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I have previously disputed the inaccurate information with Experian, Experian "verified" the inaccurate information and the fraudulent accounts remained on my account.This request was for Experian to provide me with the method used to verify the fraudulent accounts. FCRA 611 (a)(6)(B )(iii) states that upon request Experian must provide me a description of the procedure used to determine the accuracy
and completeness of the information. This includes, but is not limited to the
business name and address of any furnisher of information contacted in
connection with such information and the telephone number of such furnisher, if
reasonably available. As stated in FCRA 611 (a)(7) Experian was to  provide this information no later than 15 days after receiving this request.It is now past the 15 days required by law, Experian is in violation of the law.Experian is now required to DELETE all the fraudulent accounts detailed in the request from my report.Reporting information that you know to be inaccurate, or failing to report information correctly or completely, violates the FCRA.
Regards,
[redacted]

:::::: ExperianJanuary 12, 2016Better Business Eureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted]REF# [redacted]Dear Eetter EUsiness Eureau.Thank you for your recent correspondence of January 4, 2016 regarding...

the above mentioned(:C)?]????]??.Our records indicate that we have previously investigated US Bankruptcy CT [redacted] and accounts included in the bankruptcy. The information was verified as accurately reported and confirmation was mailed to the consumer at the conclusion of the investigations.Additionally, phone verification with the bankruptcy court clerk's office on May 12, 2015 indicated that the bankruptcy had not been withdrawn or filed in error and documentation provided by the consumer in a letter dated April 28, 2015 was not a valid court document.If these bankruptcies were initiated as a result of identity theft, the consumer should contact the US Trustee at the court directly. The US Bankruptcy Court [redacted], ** is located at [redacted]., [redacted], [redacted], telephone [redacted]. The consumer may also want to contact the US Attorney and/or the FBI in the city where the bankruptcies were filed.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.Any account included in a bankruptcy remains on the personal credit report for a maximum of seven years from the date the bankruptcy was either filed or discharged. The bankruptcy itself, listed in the public record information section of the credit report, remains for seven years from the filing date if it was a Chapter 13, or 10 years from the filing date if it was a Chapter 7, 11 or 12.When a consumer disputes the accuracy or completeness of information on their personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process their dispute as required by law. We contact the furnisher of the data or the vendor that collected the information from a public record source such as a court or other government office to verify the accuracy of the disputed information.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their dispute. The statement will appear with the item as long as the item remains on the credit report. Any further concerns regarding the disputed information may need to be directed to the bankruptcy court and creditors reporting this information. Please refer to the credit report for the creditors' address and telephone number (if available)If the consumer has any additional supporting documentation regarding the disputed information, they may forward that directly to me for review.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]C? . [redacted]

Dear Revdex.com:Our office recently received your correspondence of October 27, 2017, regarding the abovementioned 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)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 Creditreport.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.[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]CC. [redacted]