Experian

Yes I have a third party working on my behalf .

December 15, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]
[redacted]Dear Revdex.com.Our office recently received your correspondence of December 16, 2016...

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 information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.If the Consumer has additional information regarding the disputed information, for example an identity theft report (an official report filed with an appropriate federal, state, or local law enforcement agency), please forward it directly to me for review.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that Collected the information from a public record source, such as a Court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the Consumer's dispute. In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the Creditor. If the issue is not resolved, then the Consumer Credit reporting agency must offer to include a consumer statement on the personal Credit report.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any duestions.Sincerely,[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.
No current details was sent to me with this "reinvestiagtion" as requested.I have requested that I see the contracts with my signature along with my drivers license to prove that this is indeed my account!!!
Regards,
[redacted]

October 17 2014
Better Business Burea
Serving San Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA 92123
RE [redacted]
REF# [redacted]
Complaint ID # [redacted]
Dear Better Business...

Bureau:
Our office recently received your correspondence of October 13, 2014 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

Dear Revdex.com:Our office recently received your correspondence of August 14, 2017, regarding the above mentioned consumer's Experian Credit report. The last address supplied into Experian in the consumer's correspondence has never been reported to us previously by one of their...

creditors. To assist you, we must verify the consumer's current delivery address.Please have the consumer mail 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 her 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. Upon receipt will promptly research your concerns and respond accordingly.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 214726 4045 if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 4045

April 6, 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 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 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 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]

Yes there is a third party working on my credit”. [redacted], and it is regarding Experian.

Dear Revdex.com:Our office recently received your correspondence of August 31, 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 to the 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 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, andphone 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.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

July 7, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of June 26, 2015 regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by law. We contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by law. We review and consider the response to determine whether to accept it, rejectit, or follow up for additional information. If, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processing. If we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendor. Investigations can take as[redacted] 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

September 2, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of August 24, 2015 regarding the above mentionedconsumer's personal credit report.We are currently investigating the [redacted] account with which theconsumer disagrees. Upon completion of this process, we will provide the results of our investigationdirectly to the consumer.Our records indicate that we have previously contacted the data furnishers to verify the accuracy ofthe additional information with which the consumer disagrees. The disputed information was verifiedas accurately reported and confirmation was mailed to the consumer for review.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, underthe FCRA, to add a 100-word statement specifying the nature of their dispute. The statement willappear with the item as long as the item remains on the credit report. Any further concerns regardingthe disputed information may need to be directed to the creditors reporting this information. Pleaserefer to the original personal credit report for the furnisher or public records office name, address, andphone number (if available). If the consumer has any additional supporting documentation regardingthe disputed information, they may forward that to us for review.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.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 AssociateConsumer Affairs Special Services[redacted]

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

Revdex.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 May 8, 2017, regarding the above mentioned...

consumer's personal credit report.We are currently investigating the disputed information with which the consumer disagrees. Upon 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 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).If a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal Credit report because every action that relates to credit may become part of the credit history. So even though the court did not allow the filing of the bankruptcy or the bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal Credit report.According to the Fair CreditReporting Act (FCRA), Section 605(d) (1), if a bankruptcy is withdrawn before a final judgment "the consumer reporting agency shall include in the report that such case was withdrawn". The bankruptcy dismissed/withdrawn status will remain on the consumer's Experian Credit report for seven years from the filing date.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 214726 [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]

June 18, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of June 8, 2015 regarding the above mentionedconsumer's rebuttal of our response to her complaint.Our records indicate that investigations of [redacted], as well as originalcreditors [redacted] and [redacted] (formerly [redacted]) were initiated on May13, 2015. Because we were unable to update or delete these accounts based upon thedocumentation provided by the consumer, all of the provided documentation was forwarded to thecreditors along with our request for investigation.In each instance, the creditors verified the accuracy of the disputed information. Results of eachinvestigation were provided directly to Ms. [redacted]. Because the creditors confirmed the accuracy ofthe disputed information we must respectfully decline her request to remove the accounts from herExperian credit report.Any further concerns regarding the disputed information will need to be directed to the sources of theinformation. [redacted] can be contacted at [redacted],telephone ###-###-####. [redacted] can be contacted at [redacted], telephone ###-###-####.Per federal law, potentially negative information remains on the credit report? years from the originaldate of delinquency.If Ms. [redacted] has any additional supporting documentation regarding the disputed information, shemay forward it directly to me for review.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

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

June 20, 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 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.According to the Fair Credit Reporting Act (FCRA), a national consumer Credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute. In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact Creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer Credit reporting agency must offer to include a consumer statement on the personal Credit report.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]

RE: [redacted] Complaint ID #[redacted]REF# [redacted]Dear Revdex.com:Our office recently received your correspondence of September 26, 2016 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 itemas 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

Dear Revdex.com:Our office recently received your correspondence of July 19, 2017 regarding the above mentioned consumer's personal credit report.An Initial Security Alert has been added to the consumer's credit report. This message, which will expire after 90 days, alerts credit...

grantors to verify the consumer's identification in case someone is using their information without their consent.We are currently investigating the bankruptcy information with which the consumer disagrees. Upon Completion of this process, we will provide the results of our investigation directly to the consumer.If a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal Credit report because every action that relates to credit may become part of the credit history. So even though the court did not allow the filing of the bankruptcy or the bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal Credit report. According to the Fair Credit Reporting Act (FCRA), Section 605(d) (1), if a bankruptcy is withdrawn before a final judgment "the consumer reporting agency shall include in the report that such case was withdrawn".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. By federal law, your personal Credit report must list all organizations that have requested your Credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example, organizations that have granted you creditor with whom you have applied for Credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. Requests for your credit history remain on the personal Credit report for at least two years.Experian strives to achieve a high level of customer service for all the Consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] Experian Consumer Affairs Senior Regulatory Affairs Associate