Experian

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

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]

February 2, 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 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 aslong as 30 days to reach a conclusion. After we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public record. Please referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist. Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

Revdex.com 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 11, 2017 regarding the above mentioned consumer's rebuttal of our response to their complaint.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. 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.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 reportIn 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).Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] on behalf of Michael Lonergan Senior Regulatory Affairs Associate Experian Consumer Affairs214726 [redacted]CC [redacted]

April 27, 2016Bettes Business Bureau 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 April 19, 2016 regarding the above...

mentioned consumer's personal credit report.Our records indicate that we have not previously received this complaint from the Revdex.com.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 Consumes 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 our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

::::: ExperianNovember 25, 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 17, 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 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 of 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 our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

SEE ATTACHED.  Our office recently received your correspondence of October 20, 2017, regarding the above-mentioned consumer's personal credt reportWe apologize for any inconvenience Ms. [redacted] experienced in her previous telephone contact with Experian. Appropriate actions are being taken...

b ensure that any customer service issues are addressed.An Initial Security Alert has been added to typ consumers credit report on October 20, 2017. This message, which will expire after 90 days, alerts credit grantors to verify the consumer's identification in case someone is usirg 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 consumer.When a consurner disputes accuracy or completeness Of information on the personal credit report and tells us specifically why they believe the information is inaccurate or irmmplete, we process the dispute as required by law. We contact the fumisher of the information or the ven±r that collectedthe information from a public record source such as a court or other government office eitherelectronically or by US Mail. We ask the furnisher or vencbr to conduct a thorough and cornplete investigation to verify all of the information the disputed item, ard report back within thetime frame required by law. We review and consider the response to determine whether to acc4i it, reject it, or follow up for additional information. If, after processing, we fird that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modifythat inforrnation, as appropriate, based upon the dispute and the results of our processirg. If we donot receive a response from the furnister 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 &termine whether the disputed informationshould be changed or deleted without having to contact the fumisher or the vendor. Investigations can take as long as 30 days to reach a conclusion. After we complete our processing, we send the consurner the results.In addition to the consumer's right to dispute inforrnation 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 fumisher of the information.

October 13 2014
Revdex.com
Serving San Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA 92123
RE [redacted]
REF# [redacted]
Complaint ID # [redacted]
Dear Revdex.com:
Our office recently received your correspondence of October 8, 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

Pa driver license

December 13, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID [redacted]
Dear Revdex.com.Our office recently received your correspondence of December 5, 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 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]

May 9, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE. [redacted] Complaint # [redacted]Ref # [redacted]Dear Revdex.com.Our office recently received your correspondence dated April 29, 2016, regarding the above...

mentioned consumer's Experian credit report.We are currently investigating the disputed information. Upon completion of this process, we will provide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification system. We ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within 30 days of the date that we received the consumer's request. Once we receive their response, we send the consumer the results of the investigation. If we do not receive a response within 30 days we update 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 dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's dispute. If the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit report. The FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputes. Please forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directly.[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]Sincerely,

:::::: ExperianFebruary 16, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID [redacted]REF# [redacted]Dear Better EUsiness Eureau.Our office recently received your correspondence of February 5,...

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 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 me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]C? . [redacted]

Because I have attempted to speak each bureau multiple times already I no longer want to prolong my life because of someone else.

RE [redacted] Complaint ID #[redacted]REF [redacted]Dear Revdex.com,Our office recently received your correspondence of October 20, 2016 regarding the above mentioned Consumer's Complaint.Our records indicate that we previously initiated investigations of US [redacted]...

[redacted]In each instance, the Creditor verified the accuracy of the information. Results of each investigation were provided directly to the Consumer for review. Because the Creditors Confirmed the accuracy of the disputed information, we must respectfully decline the consumer's request to remove the account from the Experian credit report.If the Consumer disagrees with the results of the reinvestigations, it is their legal right, under the FCRA, to add a 100-word statement specifying the nature of their dispute. The statement will appear with the item as long as the item remains on the Credit report. Any further Concerns regarding the disputed information will need to be directed to the sources of the information. The consumer may refer to their original personal credit report for the furnisher's address and phone number (if available).If the Consumer has any additional supporting documentation regarding the disputed information, they may forward it directly to me for review.Our records further indicate that we mailed the consumer the requested federal Fair Credit Reporting Act (FCRA) mandated method of verification on 9/6/16.To insure receipt, the requested information is as follows:When a consumer disputes the accuracy or Completeness of information on their personal Credit report and tell us specifically why they believe the information is inaccurate or incomplete, we process 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 verify all of the information regarding the item disputed, and report back within 30 days of the date that we received the request (21 days for Maine residents and 45 days for disputes of information on an annual free Credit report). 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 your 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, and send the Consumer the results. In some instances, upon reviewing the Credit file and any relevant information the Consumer may have Revdex.com 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 their 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.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate

November 16, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]Dear Revdex.com.Our office recently received your correspondence of November 7, 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.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.When you dispute the accuracy or Completeness of information on your personal Credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your 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 verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request (21 days for Maine residents and 45 days for disputes of information on an annual free Credit report). 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 your 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 you have requested or delete the information, and send you the results. In some instances, upon reviewing your Credit file and any relevant information you have 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 you the results. In addition to your right to dispute information in your credit file with the credit reporting agencies, you also have the right to dispute information in your credit report directly with the furnisher of the informationIn 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 me directly if you have any questions.Sincerely,[redacted]
[redacted]

December 9, 2015Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]Dear Revdex.com.Our office recently received your Correspondence of December 2, 2015...

regarding the above mentioned Consumer's complaint.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 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.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]
[redacted]

[redacted] In the customer’s statement of the problem, the writer refers to the consumer in the third person and refers to him as “our client”.  This definitely indicates 3rdparty representation of the consumer. In order for us to proceed, we must know who the 3rd party representative...

is and we must have letters of representation from the 3rd party regarding this consumer. We would require a letter from the attorney on his letterhead indicating his contact information and his representation of the consumer along with consumer’s complete ID information and a POA signed by the consumer.  Please reference the complaint ID number also.Once we receive this information, we will respond to the complaint.  [redacted]
[redacted]Senior Regulatory Affairs Associate[redacted]
[redacted]

Dear Revdex.com.Our office recently received your Correspondence of December 8, 2016 regarding the above mentioned consumer's Experian credit report.We are presently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the...

results of the investigation directly to the Consumer.Regarding the consumer's Complaint received on [redacted], our records indicate we provided the creditor with a copy of the consumer's complaint along with our request for investigation. The creditor responded to us on 1 O/21/2016 confirming the accuracy of the account as it appeared on the Credit report. We provided the results of the investigation to the Consumer by mail on the same date along with a complete Credit report.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.Each national Consumer Credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each Company has their own policies and guidelines for disputing information. Therefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer Credit reporting agency.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]

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.
Experian must remove these 9 hard inquiries as the glitch removed them and then they appeared again which is consider breaking the law of FCRA. Please remove them. 
Regards,
[redacted]

[redacted] 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 youfor allowing me to assist you. Please contact me directly if you have any...

questions.Sincerely,[redacted]
Senior Regulatory Affairs AssociateExperian Consumer Affairs[redacted]