Experian

Yes there is a 3rd party working on my credit concerning Experian[redacted]

To whom it may concern:I am frustrated with Experians ability to respect the Fair Credit Reporting act.  The [redacted] account is one of a few accounts that they allow to show in collections and RECENTLY charged off despite acknowledging to me and the CFPB that this account was charged off in...

6/2011 and out of the statue of limitations in 2014.  They allow [redacted] and other creditors to just verify my name, address, and social security number without them verifying that the way they are reporting the debt is the current status.  [redacted] and other creditors use this trick to collect on time barred debt they can't sue for.  Experian is allowing them to report this way and refuses to require them and other creditors to show the last payment received to verify the age.  Chase is another account I was 1099 for in 2013 because it was out of the statue of limitations then and they allowed them to reinsert the balance as collectible.  This evidence is being viewed by the CFPB for potential fines and contempt of the Fair Credit Reporting Act.Sincerely,[redacted]

Yes a 3rd party is representing me in this compliant. Here is their name and address [redacted]
[redacted]
[redacted] 
[redacted]

May 29, 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 20, 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

Dear Revdex.com:Our office recently received your correspondence regarding the above-mentioned consumer's personal credit report.Our records indicate that the disputed item has not been previously deleted based on an Experian reinvestigation. We are currently investigating the disputed...

information with which the consumerdisagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.We have mailed a current 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 havea 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, military 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 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.

Yes there is a 3rd party working on my credit[redacted]Best Regards,[redacted]

Dear Revdex.com:Our office recently received your Correspondence of September 12, 2017, regarding the abovementioned consumer's personal Credit report.An Extended Security Alert has been added to the consumer's credit report on June 15, 2017. This message, which will expire after 7...

years, alerts Credit grantors to verify the consumer's identification in case someone is using their information without their consentWe 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. 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 inf filiation is inaccurate, incomplete or cannot be verified, we then delete that information, or modif, it information, as appropriate, based upon the dispute and the results of our processing. If we dorict receive a response from the furnisher or the vendor within the required period, we update the item as equested 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 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 complet-less of any disputed item which may include contacting the furnisher of the information or the vent in that collected the information from a public record Source, such as a Court or other government offic; 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 doct. If lents 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, K[redacted] Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted]

RE: [redacted] Complaint # [redacted] REF: [redacted]Dear Sir/Madam:Our office recently received your correspondence regarding the above mentioned consumer's personal credit report.According to our records, the disputed [redacted] account appears as stated on the consumer's Current Experian...

credit report, as having been closed and paid.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 Experian Consumer Affairs 214726 [redacted]

I have asked for validation for accounts and this company have ignored my request over and over . This company have asked for a bank statement and a copy of my id . I have sent a certified copy of this information and nothing has happen . No one can answer my questions in regards to why is is taking more than 30/45 days to get a response which is breaking the FCRA law . This is my third written request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights . You say you have reinvestigated these accounts but you admitted that all you have done is parroted information given to you by sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681(A)(4) of the FCRA i would like for these accounts to be deleted under section 611 (5) (A) of the

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]

May 1, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123Re: [redacted]Ref: [redacted]Complaint ID: [redacted]Dear Counselor:Our...

office recently received your correspondence dated April 23, 2015, regarding the above mentionconsumer'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]Senior Regulatory Affairs Associate

October 29, 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 October 19, 2015 regarding the...

above mentioned consumer's personal credit report.To assist you, we must verify the consumer's current delivery address. Please send us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays the consumer's name and current mailing address, and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.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]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]
[redacted]Our office recently received your correspondence of June 12, 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 our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

November 3, 2015Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: [redacted] Complaint ID: [redacted] REF# [redacted]Dear Revdex.com.Thank you for submitting your complaint dated 10-26-2015, regarding the above mentioned...

consumer. We appreciate that your office took the time to let us know about their experience with our company.We are currently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.For additional assistance, the consumer may call me directly at [redacted], or write to Experian at P.O Box 1240, Allen, TX 75013. Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]

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 Regulartory Affairs Associate

December 21, 2015Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: [redacted] Your Complaint ID: [redacted] Ref #: [redacted]Dear Revdex.com.Our office recently received your correspondence regarding the above mentioned consumer's personal credit reportPreviously, I reached out to [redacted] by telephone and left a detailed message regarding instructions on how to remove the seven year alert with my contact information and with my fax number. I hadn't received a call back. On December 14, 2015, contacted [redacted] by phone and was able to assist him with the removal of his alert. I also provided him with my contact information if he needed assistance in the future.Sincerely,[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]

::::: ExperianDecember 1, 2015Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # 1[redacted]REF# [redacted]Dear Revdex.com.Our office recently received your correspondence of November 20, 2015...

regarding the above mentioned consumer's personal credit report.An Extended Security Alert has been added to the consumer's credit report. This message, which will expire after 7 years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.We are currently investigating the Truel ink inquiry with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.Truel ink is a direct to consumer credit report monitoring product provided by TransUnion Interactive Services, they can be contacted directly at 805-782-8282.Our records indicate that the disputed address does not appear on the consumer's current Experian 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 at 214-726–4159 if you have additional questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]?? . [redacted]

Yes [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 4, 2014 regarding the abovementioned...

consumer's personal credit report.According to our records, the disputed [redacted] inquiry is not appearing on theconsumer's current personal Experian credit report. The [redacted] inquiry was a pre-screenoffer that the consumer has since been opted out. We are in the process of sending an updated copyof the credit report via email notification, hence we are unable to forward to overseas address.In accordance with California Civil Code Section 1785.15.3, when requested we provide acomplimentary monitoring service to victims of identity theft who provide a valid police report orDepartment of Motor Vehicles (DMV) investigative report describing the theft. This service providesone free copy of a personal credit report per month for up to 12 months following the date of the policereport or DMV investigative report. Please note this is only for California State residents and cannotbe mailed overseas.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.
You have admitted to parroting information from a third party vendor and not performing your own investigation.  If you will not delete the fraudulent information from my credit file I will be forced file suit against Equifax for FCRA violations. I will be naming you in that suit as well. You are REQUIRED to report accurate information not merely copy information provided to you without doing your due diligence when an investigation is requested. This has been decided in several Federal lawsuits. 
Regards,
[redacted]