Experian

August 5, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com.Our office recently received your correspondence of July 28, regarding the above mentioned consumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples 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 bePlease 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly at [redacted] if you have any questions.Sincerely, [redacted] ***

April 7, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of March 30, regarding the above mentioned Consumer's rebuttal of our response to her complaint.Our records indicate that the disputed name information does not appear on the consumer's current Experian Credit reportWe have mailed an Experian credit report directly to the consumer for review.We have mailed a current credit report directly to the consumer for reviewIf the consumer has additional information regarding disputed information, please provide itPlease specify the item or account name and number along with the consumer's specific disputes and the additional informationPlease 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 youPlease contact me directly if you have any questions[redacted] ***Senior Regulatory Affairs Associate 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 They have not done a through investigation Attached is a police report supporting my disputes for the negative and fraud accounts on my credit report, [redacted] 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] First: According to the Fair Credit Reporting Act as part of the investigation the credit report agencies has duties and one of their duties they must notify the creditor of my dispute And if the creditor does not response then the credit report agency must delete the item off my credit report immediatelyAnd the credit report agency has not notify the creditor of my dispute I call the Bankruptcy Court to see has anything where sent to them by Experian Credit Report Agency and that stated: NO The second thing when I dispute and items the credit report agency must put it on my credit report as a dispute, and they did not put it on my credit report as a dispute I have a copy of the duties that the Credit Report Agencies must do under the Fair Credit Reporting Act And Experian has violated the Fair Credit Reporting Act.One: They did not Contact the Creditor of my dispute.Two: They did not put it on my Credit Report as a dispute.I Request that Experian immediately remove/delete the Bankruptcy off my Credit Report Sincerely, [redacted] ***

March 16, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of March 5, regarding the above mentionedconsumer's rebuttal of our response to his complaint.An Extended Security Alert has been added to the consumer's credit reportThis message, which willexpire after 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 ***xxxx, [redacted] xxx and [redacted] xxxx, investigations were initiated on November26, 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 maHerResults of the investigations were provideddirectly to the consumerThe 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.SPostal 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 reportnumberThe 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 numberAlso, 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 disputeIf 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 incorrect addresses, we were unable to honor your request based on the limitedamount of information regarding this disputeIf 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 youPlease contact me directly at ###-###-#### if you have anyquestions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Yes I do have a 3rd party working on my acct

Good eveningMy husband and I are aware that a third party, [redacted] is filing a complaint on our behalfWe okay ed them to do so.Sincerely, [redacted] and [redacted]

:::::: ExperianFebruary 8, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] - [redacted] complaint ID # [redacted] REF# [redacted] Dear Eetter Business Eureau.Our office recently received your correspondence of January 29, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take as long as days to reach a conclusionAfter 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 recordPlease 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 assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services ***

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 Hello I received a letter from Experian stating that a few collections that I disputed where deleted from my credit report and they where up until two weeks ago when an account that was previously deleted was put back onThat collection is [redacted] for $2,Account# [redacted] Today I received yet another alert that a collection was added from [redacted] that was previously deleted, Account# [redacted] I called in to speak with customer service and was treated horriblyI've never had a problem with their customer service until todayShe was very nasty and rude to me and argumentative towards me basically calling me a liar when I have documentation from Experian as well credit reports that shows these collections where removedI also sent a pay to deleted letter to [redacted] and they accepted my offer and cashed the check agreeing to delete the accountI sent a copy the letter and check to Experian and they will not delete this account either even though I have sent in documents stating that the account is paid in full.remove collection accounts Regards, [redacted]

April 7, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of March 30, regarding the above mentioned consumer's personal credit report.An Extended Security Alert has been added to the consumer's credit reportThis message, which will expire after years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.Additionally, a Security Freeze has been placed on the consumer's Experian credit report.We are in the process of providing the consumer with their current Experian personal credit report.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly at [redacted] if you have additional questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

The third party is [redacted] filing on my behalfIt's for The Experian Credit Agency

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] I have repeated the above mentioned process on several occasions before I filed this complaint to no availI have disputed this with Experian several times and it continues to remain on my credit reportI need it to be removed immediately

.:-::: ExperianPO Box Alen, fX 75Owww.experian.cDonMarch 22, 2016Revdex.com Serving San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com:Our office recently received your correspondence of March 14, regarding the above mentioned consumer's personal credit profile.Today I contacted the consumer by telephone and was able to assist him with his and his wife's Experian credit reportsWe have addressed their concerns and are in the process of providing current Experian reports to both him and his wife for review.If the consumers have additional questions or concerns regarding their credit reports, they may contact me directly at [redacted] and I will assist them in any way that I can.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #San Diego, CA RE: [redacted] REF#: [redacted] Complaint ID # [redacted] Dear Revdex.com: Our office recently received your correspondence regarding the above-mentioned consumer's rebuttal of our response to his complaintWe are currently investigating the Credit Acceptance account and chapter bankruptcy notations with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumerIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples 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 bePlease specify the item or account name and numberPlease provide the consumer's specific disputes along with their complete identification information (Sociai·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 staternenetcAccording 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 disputeIn 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 documentsConsumers may also contact creditors directly to dispute items reported by the creditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit reportThe Consumer Financial Protection Bureau (the government agency charged with enforcement of the FCRA) does not require that the consumer credit reporting company obtain documentation such as the actual signed sales slips, signature cards, contracts, etc.; nor does it require that consumer credit reporting agencies act as mediators or negotiators in account disputes.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questionsSincerely,

August 12, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Ref #: [redacted] Complaint# [redacted] Dear Revdex.com:Our office recently received your correspondence dated July 29, 2015, regarding the above mentionedconsumer's Experian credit report.We are currently investigating the disputed informationUpon 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 systemWe 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 requestOnce we receive their response, we sendthe consumer the results of the investigationIf we do not receive a response within 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 disputeIf the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit reportThe 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 disputesPlease 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 AssociateConsumer Affairs Special Services [redacted] ***

Dear Revdex.com:Our office recently received your correspondence of August 30, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the disputed bankruptcy information with which the consumer disagreesUpon 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 recordAlthough 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 ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take as long as days to reach a conclusionAfter 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 thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, and är phone number (if available) Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions[redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

July 21, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of July 14, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take aslong as days to reach a conclusionAfter 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 recordPlease 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

RE: Milton Coleman Complaint ID #: [redacted] REF #: [redacted] Dear Revdex.com:Our office recently received your correspondence of March 7, regarding the above mentioned consumer's rebuttal of our response to his complaint.Our records indicate that the disputed information does not appear on the consumer's current Experian Credit reportWe have mailed an Experian credit report directly to the consumer for review.If there is additional information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeWe 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 inaccuracyPlease specify the item(s) or account name(s) and number(s) along with the specific dispute(s).Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs 2147264159CC [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me The business has performed the actions indicated, and I have received refund of the overcharges I consider this complaint resolved.I would like to comment that Experian's website is not friendly at all There was no avenue to fix a simple address difference in typing that caused the problem The Customer Service phone number provided is almost entirely a computer tree, that sent me back to the website repeatedly, Following a non-related path, the person I finally spoke to was unable to help, and unable to pass me up to a manager They referred me back to the website again, and gave me the same number to call that I started out with! It is unfortunate that it took the filing of a complaint with Revdex.com to get Experian to respond.Even though the complaint is resolved satisfactorily, I am not happy with Experian I must say it is vastly easier to deal with their competitors, [redacted] and [redacted] I would not recommend Experian to anyone In closing, I would like to heartily thank Revdex.com for their assistance! This issue would never have been resolved without your help.Regards, [redacted]

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #San Diego, CA RE: [redacted] REF#: [redacted] Complaint ID # [redacted] Dear Revdex.com: Thank you for your recent correspondence regarding the above-mentioned consumerOur records indicate that we have contacted the data furnisher to verify the accuracy of the information with which the consumer disagreesThe disputed information was verified as accurately reported and confirmation was mailed to the above-mentioned consumer for review When a consumer disputes the accuracy or completeness of information on their personal credit report and tell us specifically why they believe the information is inaccurate or incomplete, we process their dispute as required by lawWe contact the furnisher of the data to verify the accuracy of the disputed information Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough 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 ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian's method of verification for public records complies with the requirements of the Fair Credit Reporting Act (FCRA) 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 disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information may need to be directed to the creditors reporting this informationPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available)If the consumer 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 consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***