Experian

June 3, 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 dated May 12, 2015, regarding the abovementioned...

consumer's personal credit reportWe 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 with which the consumer disagrees. In order to conduct an investigation, please havethe consumer forward any specific disputes directly to my attention. Examples of specific disputes areas follows: "not mine, paid in full, never delinquent included in bankruptcy" or "incorrect status." If thestatus dates, amounts, balances or other specific data is incorrect, the correct information should alsobe indicated.We have removed the consumer's name from future mailing lists, and we will notify [redacted], [redacted], and [redacted] of the request If the consumer would like to remove their name from additionalmarketing lists and individual reference services lists, they can contact: Direct Marketing Association,Mail Preference Service, [redacted]; Experian, [redacted]Attn: Consumer Services Department; Direct Marketing Association, Telephone Preference Service,[redacted]We would request that the consumer forward the requested information to my specific attention atExperian, [redacted] Upon receipt of the requested information, Iwill promptly begin an investigation into his concerns.If you have any questions, please contact me directly for assistance.Sincerely,[redacted]Senior Regulatory Affairs Associate

July 10, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Better Business Burea:Our office recently received your correspondence of July 2, 2015 regarding the above mentionedconsumer's rebuttal of our response to her complaint.We are presently investigating the name and address information with which the consumer disagrees.Upon completion of this process, we will provide the results of our investigation directly to theconsumer.Regarding employment information, some credit grantors report the employment information you gavewhen applying for credit. You can also request employment information be added to your creditreport. Your complaint does not indicate the employer that you would like added to your Experiancredit report, please provide the name of the employer.Thank you for allowing me to assist you. Please contact me directly at ###-###-#### if you have anyquestions.Sincerely,[redacted]Senior Regulatory Affairs Associate

May 27, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]...

[redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of May 18, 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

July 31, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave. #200San Diego, CA 92123RE: [redacted]Ref#: [redacted]Your Complaint ID: [redacted]Dear Revdex.com:Thank you for submitting your complaint dated 07-22-2015, regarding the above mentionedconsumer.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, wemust have a specific dispute with which the consumer disagrees. lr:J order to conduct an investigation,please have the above mentioned consumer forward any specific disputes, along with their completeidentification information, directly to Experian at [redacted].We are in the process of forwarding a current credit report to the above mentioned consumer toreview.Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services[redacted]

Revdex.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 March 1, 2017, regarding the above mentioned...

consumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. Investigations can take as long as 30 days to reach a conclusion. After we complete our processing, we send the consumer the results.In addition to the Consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the Consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal Credit report for the furnisher or public records office name, address, and phone number (if available).According to the Fair CreditReporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute. In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer Credit reporting agency must offer to include a consumer statement on the personal credit report.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.[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 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]

July 28, 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 July 20, 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 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]

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]Thank you for allowing me to assist you. Please our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs AssociateExperian Consumer Affairs
[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]

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

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]

San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF: [redacted]Dear Revdex.com:Our office recently received your correspondence of May 17, 2017, regarding the above mentioned consumer's personal credit report.To assist you, We must verify the Consumer's current delivery...

address. Please send us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays the consumer's name and current mailing address, and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted] on behalf of [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs[redacted]CC. [redacted]

:::::: ExperianJanuary 13, 2016Better Business Eureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted]REF# [redacted]Dear Eetter EUsiness Eureau.Thank you for your recent correspondence of January 5, 2016 regarding the...

above mentioned consumer's Experian credit report.Our records indicate that we have previously investigated [redacted]. An Investigation was initiated on 10/25/2011. The information was verified as accurately reported at the source: US Bankruptcy Court, [redacted], telephone [redacted].If a bankruptcy was dismissed or withdrawn, it appears on the 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 completion of the bankruptcy, the fact that the case was documented allows it to appear on the personal credit report.If the consumer disagrees with the results of the reinvestigation, it is the consumer's 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 may need to be directed to the source, if the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly at if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]C? . [redacted]

June 1, 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 May 23, 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 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]

[redacted] December 21, 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 11, 2015 regarding the above mentioned consumer's personal credit report.According to our records, the disputed [redacted] account appears as stated on the consumer's current Experian credit report, as transferred f closed, never late, with no balance owing. Closed accounts in good standing (never late) remain on the credit report for a period of 10 years from the closing date in February 2013.Additionally, the [redacted] and #[redacted] appear as open, never late accounts with a balance owed of $5,845 and $3,477 respectively as of November 30, 2015. The original total amount borrowed on these two accounts is $19,379 as stated in the consumer's complaint.Because these 3 accounts are accounts are in good standing, they have a positive impact on the consumer's credit score.The consumer may contact me directly at [redacted] if she has additional questions and I will assist her in any way that I can.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]

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

December 9, 2014Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]REF #: [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of December 9, 2014 regarding the...

abovementioned consumer's complaint.An Extended Security Alert has been added to the consumer's credit report. This message, which willexpire after 7 years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.We 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 identification information(Social Security number, full name, current address, previous addresses in the last two years and dateof birth). Also, please include one copy of a government issued identification card, such as a driver'slicense, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assist. Let meassure you that Experian takes its committeemen 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

Hello, I have attached additional information for the [redacted] Mortgage Account, # [redacted], that Experian is showing on my Credit Report; They're showing that I'm making "Partial Payments on the Account," I No longer owe  anything on this Account, I Sold my Home on September 26, 2014. I would like to see  "PAID IN FULL" for the [redacted] Account and any other information pertaining to this Account corrected.  Thank you

::::: 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]