Experian

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 directly if you have any questions.Sincerely,Senior Regulatory Affairs Associate Experian Consurner Affairs

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 commitment 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 Regulatory Affairs Associate

May 26, 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 15, 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:
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.
IN regards to the following that appears on my credit report : 
 
Address listed for [redacted]Tx ( I never have lived nor visited Texas in my entire life - dispute - remove ) 
 
[redacted] has reported 20 some 90 day lates on my credit - how can this be when I filed for bankruptcy in 2009 and the loan the acquired was discharged - they got the loan in Sept 2011 ,how can they report late on an item that was discharged.Then they turned the loan over to Nationwide Debt ( they can not service this due to they are a debt collector and this was on a mortgage ) 
 
[redacted] is trying to collect on medical - this is a breach of the HEPA Law - how did they obtain my personal information ( on a previous credit report they were stating Dr [redacted] - no they are stating [redacted] . If you review the account number they will trace back to the original collector 
Regards,
[redacted]

#Experian[redacted]December 30, 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 December 18, 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 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).Complaint ID # [redacted]Page 2Experian 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]

June 8, 2016Revdex.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 31, 2016 regarding the above...

mentioned consumer's complaint.Our records indicate that Social Security number variations do not appear on the consumer's current Experian credit report. We have mailed a current Experian credit report directly to the consumer for review.Regarding erroneous addresses, please provide the consumer's additional 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] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]
[redacted]

Our office recently received your correspondence of October 17, 2017, regarding the above-mentioned consurner's rebuttal of our response to their complaint.Our records indicate that we previously investigated the [redacted] on 04/11/14, 07/05/17, 09/20/17, 10/0417, arri 10/05/17. In each instance our vendor confirmed the accuracy of the inforrnation as reported.Judgrnents, Tax Liens and Bankruptcies are a matter of public record. Although tre court where the disputed public records are filed trey not report this type of data, a vendor may collect this datadirectly from the court's pubic records and supply that information to Experian. Experian's method of verification for pudic records complies with the requirements of the Fair Credit Reportirg Act (FCRA).When a consumer disputes the accuracy or com*teress of inforrnation 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 collectedthe 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 tirne frane required by law. We review and consider the response to determine whetter to acceF* it, reject it, or follow up foradditional information. If, after processirg we find that disputed information is inaccurate, incomplete or cannot be verified, we ttpn delete that information, or rnodify that information, asappropriate, based upon the dispute and the results of our processing. If we do not receive a response from the fumisher or vendor within the required period, we update the item as requestedor delete the information, In son-e instances, upon reviewing the credit file and any relevant information 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. After we complete our processing, we send the consumer the results.Because the inforrnation was confirrrpd accurate, we must respectfully decline the corsumer's request to rennove the disputed inforrnation from their Experian credit reportIf the consurner has any additional supporting documentation regarding the disputed inforrnation, they may fomard it directly to 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 Experian Consumer Affairs
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I have 15 years of experience testing/supporting software and web applications in both startup companies and established businesses, of which, my main job duty for the past 6 years has been writing database query language ([redacted] both MS & [redacted]) through system migrations requiring data modeling, and troubleshooting data-integration and data-quality issues.  My findings at Experian:I)                Representatives updating incorrect information does have a negative impact to credit reports/scores:a.     Programming logic for credit score calculation might be based on things like account type (e.g. revolving debt, installment debt), amount of debt this month compared to last month, amount of debt yesterday compared to today, etc., was a payment made (account in good standing?).b.     Programming logic might look something like a "case-when" statement or an "if-then" statement that might look like: If "X" and "Y" then "Z". These statements can be paragraphs to pages long. I once received and troubleshot a query that was 67 pages long when pasted into a word doc.c.     Programming logic using if-then statement example as it impacted my credit score: IF my balance yesterday on three installment accounts was $0 AND today the balance of the three installment accounts total $15,000 (I just increased my installment debt by $15,000 overnight which is not supposed to happen with installment debt unless I defaulted and/or have penalties), THEN my credit score decreased by 15 points.d.     YES, EXPERIAN ADDED BACK MY SEPTEMBER BALANCES TO MY OCTOBER CREDIT REPORT THAT WERE PREVIOUSLY $0 BALANCE - HAVING A DIRECT AND NEGATIVE IMPACT TO MY CREDIT SCORE. Why didn’t the Experian representative not see that my accounts had been updated by my debtor to $0 balance, problem solved?!! (FYI – this could be impacted by Experian account IDs don’t match debtor account IDs on statements– see below.)e.     The negative impact to my credit score is not rectified when the balances are corrected back to $0 because the bad data still exists in the database and is used as part of the calculation of my credit score. I received an additional loss of 8 points when the balance was returned to $0. In a matter of 2 weeks I lost 23 points of my credit score for paying off $15,000 in student loans. My score is still bouncing around. II)              Account numbers at Experian do not match account numbers at debtors:a.     If I am disputing information on Experian, and I have 6 student loans, in the dispute the account number lists the beginning "X" amount of numbers and not the ending. The beginning "X" amount of numbers are the exact same for all 6 loans. It’s a crap shoot.b.     Even if I could see the ending numbers instead of the beginning, the accounts on my statements from my lender do not match the account numbers for the same loans at Experian. So any document I submitted in support of my dispute are null/void. I know because I had a call with an Experian rep and a Navient rep, and they could not communicate with each other about the account numbers… they had to go by year/mo of loan and original loan balance. A real hoot!III)             Uploading documents is broken, ineffective and creates duplication of effort:a.     Greater than six times on three separate occasions I tried to upload documents each 523KB to support my disputes, and I received errors that my documents were to large, that they must be under 15MB. I think I successfully loaded 3 times on separate occasions.b.     Experian rep could not locate the documents I loaded stating there was one from 2015. Once he found the document (single) he said there were just 6 blank pages and no information. He could not help me.c.     Dispute cases were created for the document uploads instead of being associated to the existing disputes. Please note that when filing a dispute, one does not receive an email with the report number, and cannot view the dispute until resolved... so someone like me does not have access to the report number to reference when uploading documents. Please email confirmation of the dispute at the time filed with the report ID!IV)            Credit Score Simulator is incredibly accurate until it’s not:a.     If I consistently get the predicted increases to my credit score due to Experian’s Credit Score Simulator calculation, then it creates precedence.b.     The Credit Score Simulator calculated an increase of 15 points for paying off $15,000 in student loans. It would put me over my goal of a greater than 800-credit score. c.     I earned a 23 point decrease, 38 (15+23) points lower than expected. Someone needs to fix something here. Wording maybe? Like if you pay down (not pay off) student loans, you’ll get an increase, and do not file a dispute, it will negatively impact your credit score.d.     I’ve actually paid off $12,000 in credit card debt and $15,000 in student loans and my credit score is lower today than it was before I paid off $27,000 in debt on October 17, 2017. I was at 788 and now I'm currently at 783. I have to say it, all my accounts are in good standing, and my one ding is from 5.4 years ago. If Experian puts bad data in the database from which the credit scores are calculated then, they are actually responsible for the credit score they provide/present.  Who is your data architect and application architect, and who is responsible for writing the code that calculates credit scores? Who is your test engineer? In other words, who's responsible for this stuff?! How do you get feedback? How do you utilize the feedback? What is your quality metrics? KPIs? Who are you accountable to if not the consumer?I've had a run-on of crappy experiences with Experian, and rather than address the issues, Experian provides canned responses and are lacking in accountability for their tracking of consumer credit. 
Regards,
[redacted]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] A. [redacted] Complaint ID # [redacted] REF: [redacted]Dear Revdex.com:Our office recently received your rebuttal of April 5, 2017, regarding the above mentioned...

consumer's complaint.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 our office if you have any questions.Sincerely, [redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]CC. [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I have sent several letters to Experian and the companies reporting negative accounts on my credit report. Yet they still answer the same way. Either verify the accounts or delete them and you have done neither. I've also opened a complaint with the (CFPB) Consumer Financial Protection Bureau and still waiting on an investigation to be reported there. If you claim you have verified these accounts, then provide the documents you used to verify them as the companies are definitely not providing any verified documents.Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.  Please don’t respond to my request by saying that these accounts have been verified.  Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611(a)(5)(A)(i).  By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted.
[redacted]
[redacted]

Thank you for verifying this transaction. Yes, I have filed a complaint with Revdex.com for Experian through [redacted].  This inquiry has been made by a third party, [redacted] ,with my full knowledge and approval.  Please complete this request regarding Experian as soon as possible....

Thank you!

April 27, 20t5Revdex.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 April 16, 2015 regarding the above mentionedconsumer's personal credit report.Using the identification information you provided, we are unable to locate a credit record for theabove-mentioned consumer. The consumer either has no credit history or additional identificationinformation is needed in order to access the credit information. Please forward the consumer'sspecific disputes along with the consumer's complete identification information (Social Securitynumber, full name, current address, previous addresses in the last two years and date of birth).Please include one copy of a government issued identification card, such as a driver's license, stateID 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 commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

May 13,2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123Re: [redacted]Ref: [redacted]Complaint #: [redacted]Dear Revdex.com:Our office recently received your correspondence dated May 4, 2015, regarding the above mentionconsumer's personal credit report.We have mailed a current credit report directly to your client for review. If there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdispute with which the consumer disagrees. In order to conduct an investigation, please forward anyspecific disputes directly to my attention.Please feel free to contact our office directly if you need further assistance.Sincerely,[redacted]

Dear Revdex.com:Our office recently received your Correspondence of August 18, 2017 regarding the above mentioned consumer's personal Credit report.We are currently investigating the information with which the Consumer disagrees. Upon completion of this process, we will provide the...

results of our investigation directly to the consumer.When a consumer disputes the accuracy or Completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by law. We review and Consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, In some instances, upon reviewing the Credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to Contact the furnisher or the vendor. Investigations can take as long as 30 days to reach a conclusion. After we complete our processing, we send the consumer the resultS.In addition to the consumer's right to dispute information in the Credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal Credit report for the furnisher or public records office name, address, and phone number (if available).  By federal law, your personal Credit report must list all organizations that have requested your credit history. In accordance with the Fair CreditReporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about Credit information. For example, organizations that have granted you creditor with whom you have applied for Credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. Requests for your credit history remain on the personal Credit report for at least two years.Inquiries from Credit grantors who request your Credit information as part of your application for Credit will display under the heading "Inquiries shared with others" on your personal credit report. These inquiries display on your Credit report when it is accessed by others with a permissible purpose. These inquiries may affect your Credit score.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 source of the disputed information and informing them of 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 AssociateExperian Consumer Affairs [redacted]

:::::: ExperianMarch 11, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Del Valle complaint ID # [redacted]REF# [redacted]Dear Eetter Business Eureau.Our office recently received your correspondence of March 3, 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.[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services 214 726 41.59

May 25, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE. [redacted] Complaint # [redacted]Ref # 126879842Dear Revdex.com.Our office recently received your correspondence dated May 18, 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.[redacted]
[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]Sincerely,

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.Written information from [redacted] dated 11/04/14 was provided to Experian by myself. The letter makes it clear with the following statement," A review of our records indicates that your loan was paid in full effective June 18, 2014". Experian refuses to accept the letter and continuesto report the loan was sold to another lender. My contention is if a loan is paid in full how can it be sold to another lender.Experian must remove the "sold to another lender" statement from my credit file.
Regards,
[redacted]

May 20, 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 12, 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

January 10, 2017Revdex.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 January 2, 2017...

regarding the above referenced consumer's 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.Regarding Concerns with a monthly monitoring service' this Complaint is handled in a different Experian office and we have forwarded your Correspondence to the following division for review and response.Experian Consumer Services. PO BOX 2390Allen, TX 75013 Toll Free Telephone: 877 297 7790Because We are unable to assist with this issue, it is recommended that the Consumer Contact Experian Consumer Services directly.Thank you for allowing me to assist you in this matter.Sincerely,[redacted]
[redacted]
[redacted]

February 13, 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 February 13, 2015 regarding the abovementioned consumer's rebuttal of our response to his complaint.Our records indicate that the disputed information does not appear on the consumer's currentExperian credit report. We have mailed an Experian credit report directly to the consumer for review.Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate