Experian

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

I [redacted] authorized [redacted] to take actions on my behalf.           Address:[redacted]   [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 disagrees. Upon completion of this process, we...

will provide the results of our investigation directly tothe Consumer.Judgments, Tax Liens and Bankruptcies are a matter of public record. Although the Court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to Experian. Experian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record information. Experian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).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 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, 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 [redacted]

Dear [redacted],Please update the complaint as satisfied.  Experian removed the hard inquiry from my credit profile.Thank you. 
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

April 9, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE A[redacted]REF# [redacted]Complaint ID [redacted]Dear Revdex.com:Our office recently received your correspondence of April 1, 2015 regarding the above...

mentionedconsumer's personal credit report.We are currently investigating the [redacted], the [redacted], the [redacted] andthe Social Security numbers with which the consumer disagrees. Upon completion of this process, wewill provide the results of our investigation directly to the consumer.The disputed tax liens appear as stated by the consumer, as having been paid in full or released. Paidtax liens will remain on the credit report for up to seven years from the filing date.Our records indicate that we previously conducted investigations regarding the additional informationwith which the consumer disagrees. In each instance, the information was verified as accurate withthe creditor or at the public record source. Results of the investigations were provided directly to theconsumer. If the results of the investigations are questioned, the consumer may want to contact thesource of the information directly. The Consumer can refer to the original personal credit report for thesource business name, address, and phone number (if available). If the consumer has additionalinformation regarding the disputed information please forward it directly to my attention.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. We ask thefurnisher or the vendor to conduct a thorough and complete investigation to verify all of the informationregarding the disputed item, and report back within the time frame required by law. We review andconsider the response to determine whether to accept it, reject it, or follow up for additionalinformation. If, after processing, we find that the disputed information is inaccurate, incomplete orcannot be verified, we then delete that information, or modify that information, as appropriate, basedupon the dispute and the results of our processing. If we do not receive a response from the furnisheror the vendor within the required period, we update the item as requested or delete the information, Insome instances, upon reviewing the credit file and any relevant information submitted to us, we areable to determine whether the disputed information should be changed or deleted without having tocontact the furnisher or the vendor. After we complete our processing, we send the consumer theresults.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.Experian strives to achieve a high level of customer service for all the consumers they assist. Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

July 6, 2017Revdex.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 June 27, 2017 regarding the above...

mentioned consumer's personal credit report.Our records indicate that the disputed Comenitybanks[redacted] inquiry dated June 24, 2015, and the SYNCB inquiry dated June 13, 2015, do not appear on the consumer's current Experian credit report. We have mailed a current Experian credit report directly to the consumer for review.By federal law, your personal credit report must list all organizations that have requested your credit history. In accordance with the Fair CreditReporting 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.Inquiries from Credit grantors who request your credit information as part of your application for credit will display under the heading "Inquiries shared with others" on your personal credit report. These inquiries display on your Credit report when it is accessed by others with a permissible purpose. These inquiries may affect your credit score.Other inquiries for your Credit information are considered "soft" inquiries and do not affect your credit score. Some examples are: your current Creditors to monitor your accounts, other creditors who want to offer you preapproved Credit, an employer who wishes to extend an offer of employment, a potential investor assessing the risk of a current Credit obligation, an end user to complete your mortgage loan application, and insurance underwriting (auto or home). These inquiries appear under the heading "Inquiries shared only with you" on your personal credit report and are not seen by anyone but you (except insurance Companies may be able to see other insurance company inquiries). Contact the furnisher or the vendor. After we complete our processing, we send the consumer the results.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 [redacted]

Dear Revdex.com:Our office recently received your Correspondence of August 18, 2017 regarding the abovementioned consumer's personal credit report.Our records indicate that the disputed information does not appear on the consumer's current Experian credit reportWhen a consumer disputes...

the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of Our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the Credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the Credit report directly with the furnisher of the information.If the consumer guestions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).According to the Fair CreditReporting Act (FCRA), a national Consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a Court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute.  In order to help resolve the Consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents Consumers may also contact creditors directly to dispute items reported by the Creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal Credit report.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its Commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions. [redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

January 22, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID [redacted]Dear Revdex.com:Our office recently received your correspondence of January 16, 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 me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that their offer to send me a copy of my credit file would be a satisfactory resolution. I have not to date received the promised copy of my credit file from Experian but  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Thank you very much for your assistance in this matter,
[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.
According to the FCRA section 605 U.S.C 1681c, Section(1) Cases under title 11{United States Code} or under the Bankruptcy Act that, from the date of entry of order for relief or the date of adjudication, as the case may be antedate the report by more than 10 years. My specific situations does not have a specific "date of entry of order for relief or the date of adjudication. This specific case not allowed to move forward by [redacted] Judge and it was ordered to be dismissed. There was never a date of adjudication nor a date of entry of order for the relief.  Attached is the entire case of this subject matter proving that my specific request to have this item deleted due to its violation of the FCRA is correct and that this item should be deleted as once. Failure to do so will continue in my escalation process as my right as a consumer. Please delete this incorrect item. 
Regards,
[redacted]

July 1, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]Ref #: [redacted]Complaint#: [redacted]Dear...

Revdex.com:Our office recently received your correspondence dated June 18, 2015, regarding the abovementioned consumer's Experian credit report.We are currently investigating the disputed information. Upon completion of this process, we willprovide the results of our investigation directly to your client.Regarding our investigation process, Experian contacts the source of the disputed information directlyby letter, telephone, or through an automated verification system. We ask the source to check theirrecords to verify all of the information regarding the item questioned, and report back to us within 30days of the date that we received the consumer's request. Once we receive their response, we sendthe consumer the results of the investigation. If we do not receive a response within 30 days weupdate the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the disputeprocess is to investigate the information to determine the accuracy and completeness of any disputeditem by contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's dispute. If the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit report. The FCRAdoes not require that the consumer reporting agency obtain documentation such as the actual signedsales slips, signature cards, contracts, etc.; nor does it require that consumer reporting agencies actas mediators or negotiators in account disputes. Please forward any documentation directly to thecreditor for review.Please refer to the original Experian personal credit report for the business name, address, and phonenumber (if available) of the source that verified the information.If I may be of further assistance, please contact me directly.Sincerely, [redacted]Senior Regulatory Affairs Associate

Yes I am using a third party. Does this suffice or do I need to write a letter?Thank you,[redacted]

Dear Revdex.com:Our office recently received your correspondence of August 18, 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)According to the Fair CreditReporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and Completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a Court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute.  In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact Creditors directly to dispute items reported by the Creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

:::::: ExperianFebruary 12, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] L. [redacted] Complaint ID # [redacted]REF# [redacted]Dear Eetter Business Eureau.Our office recently received your correspondence dated February 4,...

2016, regarding the above mentioned consumer's personal credit report.Please accept this letter as confirmation that we are in the process of updating the disputed information on the consumer's report. Upon completion, an updated copy of the personal credit report will be provided to the consumer 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 our office if you have any questions.[redacted]
[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services 214 726 4045

::::: ExperianDecember 1, 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 November 23, 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 consumes.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 of 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 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 me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [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.
Fact 1: Once again, Experian and ONLY Experian is failing to report this critical account. The other CRAs are correctly reporting it. I supplied Experian with evidence thereof in writing.Fact 2: It took almost 4 months, countless communications, countless wasted hours and money, and multiple formal complaints to the authorities for Experian to finally provide a vague "explanation" for their refusal to report this account. This is a violation of the FCRA.Fact 3: This is an ACTIVE account which was never LATE, EVER and was NEVER part to a bankruptcy.Fact 4: The data furnisher itself assured me that they had battled Experian for years about their absurd purge / reinstatement rules.Fact 5: If that real estate account was part of a bankruptcy, how come they are still reporting my other real estate account from the same lender?   
Regards,
[redacted]

Good morning, Yes, there is a third party working on my credit.  The companies name is:[redacted]
[redacted]
[redacted]  [redacted]
[redacted]   [redacted]
If you need anything else, please feel free to email me. Thank you, [redacted]

October 5, 2015Revdex.comServing San Diego, Orange and Imperial Counties47 47 Viewridge Ave., #200San Diego, CA 92123Re: [redacted]Ref [redacted]Complaint# [redacted]Dear Revdex.com:Our office recently received your correspondence dated September 23, 2015, regarding the...

abovemention consumer's personal credit reportWe 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 for review.Please feel free to contact our office directly if you need further assistance.Sincerely, [redacted]
[redacted]
[redacted]
[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 first request for my credit report was sent to Experian on 8/15/2014. By law I should have received my report within 45 days from Experian receiving the first request on 8/15/14. The second request was sent on 10/01/14 which is the one Experian is referring to as received on 10/09/14.
 
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 am not satisfied with this resolution because I never received written notification of any accounts being re-added to my Experian credit report. I have repeatedly requested proof of VERIFICATION in writing addressed to me from Experian about these accounts and that proof has never been furnished to me by Experian to this day. Instead, I have received hearsay from one company to the next with no verification or validation, which is a willful violation of my consumer rights (FCRA Section 611). My consumer rights have been violated in numerous ways by Experian for over four years and I would like this issue to be resolved expeditiously, as it is hindering my life. Please remove said negative accounts that have still have not been legally verified or validated by way of factual proof in writing addressed to me since my first request in 2013.
Regards,
[redacted]