Experian

Dear Revdex.com:Our office recently received your correspondence dated August 14, 2017, regarding the above mentioned consumer's personal credit report.A personal credit report, by law, must list all parties that have requested a consumer's Credit history. According to the Fair...

CreditReporting Act, credit grantors with a permissible purpose may inquire about credit information. Requests for your client's credit history remain on the personal Credit report for 2 years. The federal Fair CreditReporting Act (the "FCRA) section 604 outlines permissible purposes of consumer reports.The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. The consumer may wish to contact the creditor directly for that information.Therefore, we must respectfully deny the consumer's request to remove the inquiries. If I may be of further assistance you, please feel free to contact me directly.Sincerely,[redacted] Senior Regulatory Affairs Associate

RE: [redacted] Complaint ID #[redacted]REF [redacted]Dear Revdex.com.Our office recently received your correspondence of October 4, 2016 regarding the above mentioned consumer's personal credit report.An Initial Security Alert has been added to the consumer's Credit report. This message,...

which will expire after 90 days, alerts Credit grantors to verify the Consumer's identification in case someone is using their information without their Consent.We are currently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.If there is additional 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 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.If you believe you are a victim of fraud, you may want to contact your local law enforcement agency to make an identity theft report. The identity theft report should include as many of the following elements as possible: specific dates such as when the loss or theft of personal information occurred or when the fraud(s) occurred, how you discovered or learned of the theft, any known information about the perpetrator, the names of creditors and account numbers involved in the theft, name and/or badge number of the law enforcement personnel who processed the report, the filing date and case number. You may find the following suggestions helpful:Protect Yourself First, make sure an Initial Security Alert or Extended Fraud Victim Alert is on file with all nationwide Consumer Credit reporting agencies. If you request an alert with us, we will share your request with the other nationwide Consumer Credit reporting agencies, Equifax and TransUnion.inform the Sources Contact each source of information, including Creditors and public record offices, and inform them that the acCount is fraudulent.Document all Contacts Make notes of everyone you spoke with, ask for names, department names, phone extensions, record the date you spoke to them.Understand the Process Each creditor may have a different process for handling a fraud claim. Make Sure you understand exactly what is expected from you, and then ask what you can expect from the Creditor. At the conclusion of a dispute, ask the creditor for a document that states you are not responsible for the debt.Follow Up Make sure everything the creditor or Credit reporting agency has requested is received. It is always a good idea to place a follow up call or send a letter for confirmation.Review Reports Regularly We suggest that you routinely request new copies of your personal credit report to review.Don't Throw Away Files Keep all notes and correspondence in an accessible file in case they are needed in the future.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

Dear Revdex.com:Our office recently received your correspondence of September 5, 2017, regarding the abovementioned consumer's personal credit report.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.Other inquiries for your credit information are considered "soft" inquiries and do not affect your Credit score. Some examples are: your current creditors to monitor your accounts, other creditors who want to offer you preapproved credit, an employer who wishes to extend an offer of employment, a potential investor assessing the risk of a current credit obligation, an end user to complete your mortgage loan application, and insurance underwriting (auto or home). These inquiries appear under the heading "Inquiries shared only with you" on your personal credit report and are not seen by anyone but you (except insurance companies may be able to see other insurance company inquiries).Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

I received notice from Experian confirming that the reporting Bankruptcy has been deleted from my credit file. I pulled my credit report and it is still showing and this is not true they verified it didn't belong to me and stated this will be removed from my file I have supporting documents and this is against the FCRA I am very disappointed that Experian has not updated this information in there system knowing that it was not verified as mines and request it be removed immediate as they stated it would be deleted. I have proof of the statementI am requesting that any and all Inquires obtained on or after the date of April 2016 be removed from my credit file and a new report generated and mailed. I am also demanding that the Chapter 13th be removed from my credit file also. And a new report to be generated

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.Our records indicate that we have contacted the data furnishers to verify the accuracy of the information with which the above mentioned consumer disagrees. The disputed information was verified as accurately reported and confirmation was mailed to the consumer for review.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. After we complete our processing, we send the consumer the results.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 creditors reporting this information. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us 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 questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

July 26, 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 July 18, 2016...

regarding the above mentioned consumer's complaint.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 meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly at [redacted] if you have any questions.Sincerely,[redacted]

Dear Revdex.com:Our office recently received your correspondence of March 1, 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.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 me directly if you have any questions.[redacted]
[redacted] on behalf of [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200 SanDiego, CA 92123   RE:      [redacted] REF# [redacted]Complaint#: [redacted]   Dear Revdex.com: Our office recently received your...

correspondence regarding the above mentioned consumer's personal credit profile. Today I attempted telephone contact with the consumer and left a detailed message with my contact information. We apologize for any inconvenience while calling our phone line. The consumer can contact me directly for assistance with her credit report. 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.Thank you for bringing the consumer's complaint to our attention for review. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously.  If you have any questions, please contact me directly for assistance. Sincerely,

June 12, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of June 4, 2015 regarding the above mentionedconsumer's rebuttal of our response to his complaintOur records indicate that the description of the method of verification (dispute process) was maileddirectly to the consumer on June 1, 2015. To ensure receipt we are mailing it again directly to theconsumer. Additionally, the method of verification follows: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. We ask thefurnisher or the vendor to conduct a thorough and complete investigation to verify all of the informationregarding the disputed item, and report back within the time frame required by law. We review andconsider the response to determine whether to accept it, reject it, or follow up for additionalinformation. If, after processing, we find that the disputed information is inaccurate, incomplete orcannot be verified, we then delete that information, or modify that information, as appropriate, basedupon the dispute and the results of our processing. If we do not receive a response from the furnisheror the vendor within the required period, we update the item as requested or delete the information. Insome instances, upon reviewing the credit file and any relevant information submitted to us, we areable to determine whether the disputed information should be changed or deleted without having tocontact the furnisher or the vendor. After we complete our processing, we send the consumer theresults.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).According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's rolein the dispute process is to review the accuracy and completeness of any disputed item which mayinclude contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's dispute. If the issue is not resolved, then the consumer creditreporting agency must offer to include a consumer statement on the personal credit report. TheFCRA does not require that the consumer credit reporting company obtain documentation such as theactual signed sales slips, signature cards, contracts, etc.; nor does it require that consumer creditreporting agencies act as mediators or negotiators in account disputes.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

June 5, 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 29, 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 resul1s 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

I have authorized [redacted] to act on my behalf.

May 18, 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 9, 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]

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.
To whom it may concern below is the response from Experian………There was no reason for me to respond to the below message seeing that they said their investigation will take 30 days or more.RE [redacted] Complaint ID [redacted]REF# [redacted]Dear Revdex.com.Our office recently received your correspondence of October 27, 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 consumes.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 of 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.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 Consumer Affairs Special Services214 726 [redacted]So I feel it is premature of you to close this complaint out, because I did not respond…..For the record I’m not happy with their (Experian response because it has resolved absolutely  nothing for me.)Please do not close this file out.[redacted]

August 17, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Thank you for your recent correspondence of August 7, 2015 regarding the above...

mentionedconsumer's Experian credit report Our records indicate that we have previously investigated US[redacted]. An Investigation was initiated on O1/06/2015. The informationwas verified as accurately reported at the source: [redacted]
[redacted]If a bankruptcy was dismissed or withdrawn, it appears on the personal credit report because everyaction that relates to credit may become part of the credit history. So even though the court did notallow the completion of the bankruptcy, the fact that the case was documented allows it to appear onthe personal credit reportJudgments, Tax Liens and Bankruptcies are a matter of public record. Although the court where thedisputed public records are filed may not report this type of data, a vendor may collect this datadirectly from the court's public records and supply that information to Experian.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, underthe FCRA, to add a 100-word statement specifying the nature of their dispute. The statement willappear with the item as long as the item remains on the credit report. Any further concerns regardingthe disputed information may need to be directed to the source, if the consumer has any additionalsupporting 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 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 AssociateConsumer Affairs Special Services[redacted]

Dear Revdex.com:Our office recently received your correspondence of July 19, 2017, regarding the above mentioned Consumer's personal Credit report.We are currently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the...

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

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 been contacting this company in regards to this matter for over a year... there are medical bills on my report that I have no knowledge off and are not mine... I spoke with someone in regards to address that is NOT MINE nor have I lived there and was told the address is connected to these accounts.... inaccurate and wrong information. I contacted the company itself and was told they would investigate n delete if not done in a timely manner to which NEITHER COMPSNY HAS DONE EITHER AND THIS HAS GOTTEN OUT OF HAND!!! I have reports where they are adding irroneous addresses as well as showing that the disputes will be resolved THEN NEW REPORTS SHOWING UPDATED THEN STILL IN DUSPUTE!!!! How long will they drag their feet CORRECTING THIS WRONG which is affecting me in a bad light in regards to my credit!!! The other two bureaus I had no problem with. THEY REALIZE THAT THE FCRA STATES IF THINGS ARE INACCURATE or if they are validated (which they aren't cause their not mine) that they must be deleted!! THIS COMPANY HAS NOT DONE ITS DUE DILIGENCE AND GIVES ME WRONG INFORMATION AND THE RUNAROUND CONSTANTLY PLEASE PLEASE HELPAny and ALL ACCOUNTS related to MERCHANTS CREDIT DELETED ASAP AND A CORRECTED CREDIT REPORT MAILED TO ME!!! I'd also like ALL THE IRRONEOUS ADDRESSES DELETED!!!
Regards,
[redacted]s

Dear Revdex.com:Our office recently received your correspondence of September 11, 2017, regarding the abovementioned consumer's personal credit report.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 [redacted]

January 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 December 23, 2014 regarding the abovementioned consumer's rebuttal of our response to his complaint.Today I again attempted telephone contact with Mr. [redacted] and left a detailed message with mycontact information. If Mr. [redacted] continues to have questions or concerns regarding his Experiancredit report, he may call me directly at ###-###-#### and I will assist him in any way that I can.Our records indicate that the disputed information does not appear on Mr. [redacted]'s current Experiancredit report. We have mailed an Experian credit report directly to the consumer 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