Experian

July 18, 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 regarding the above mentioned...

consumer's complaint.Research indicates that Experian has had no previous contact with this consumer either by telephone or written correspondence.We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows: “not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: “not mine, paid/satisfied, vacated or filed in error". If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth). Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly at 214-726–[redacted] if you have any questions.Sincerely,[redacted]
[redacted]

Dear Revdex.com:Our office recently received your correspondence of September 1, 2017, regarding the abovementioned consumer's personal credit report.In order to investigate the consumer's complaint, please forward the consumer's specific disputes along with the consumer's complete...

identification information (Social Security number, 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 or 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 Experian Consumer Affairs [redacted]

December 10, 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 5, 2014 regarding the...

abovementioned consumer's complaint.We are currently investigating the [redacted] / [redacted] accounts with which the consumer disagrees.Upon completion of this process, we will provide the results of our investigation directly to theconsumer.Our records indicate that we previously conducted investigations regarding the additional informationwith which the consumer disagrees. In each instance, the creditor verified the accuracy of theaccounts. Results of the investigations were provided directly to the consumer. If the results of theinvestigations are questioned, the consumer may want to contact the source of the informationdirectly. The Consumer can refer to the original personal credit report for the source business name,address, and phone number (if available).The credit grantors, [redacted] / [redacted], filed claims with the government to recover the unpaidstudent loan amounts. The original accounts will appear as government claims for seven years fromthe initial late payment that led to the government claims. Because the government paid off yourdefaulted student loans, the accounts will reflect a zero balance. However, a separate agencycollecting for the government may report collection accounts for the defaulted loans. Once thecollection accounts are repaid to this agency, they will display as a paid collection. Both the originalloan accounts and the collection accounts may appear on your personal credit report for seven yearsfrom the initial late payment.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.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.The Consumer Financial Protection Bureau (the government agency charged with enforcement of theFCRA) does not require that the consumer credit reporting company obtain documentation such asthe actual signed sales slips, signature cards, contracts, etc.; nor does it require that consumer creditreporting agencies act as mediators or negotiators in account disputes.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

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

October 29, 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 21, 2014...

regarding the above mentioned
consumer's complaint.
Today I attempted telephone contact with Mr. [redacted] and left a detailed message with my contact
information. If Mr. [redacted] continues to have questions or concerns regarding his Experian credit
report and/or security freeze he may call me directly at ###-###-#### and I will assist him 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 our office if you have any questions.
Sincerely,
[redacted]
Senior Regulatory Affairs Associate

June 14, 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 June 6, 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 214 726 [redacted]

January 21, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of January 16, 2015 regarding the above mentionedconsumer's rebu11al of our response to his complaint.Judgments, 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 Mr. [redacted] wouldlike to have the judgment removed from the public record, he may want to contact the court todetermine what is required to do so. They can be reached at [redacted] Small Claims, [redacted]
**, [redacted], CT 06107, telephone ###-###-####.Our records indicate that we have previously investigated [redacted]xxxx on01/08/2015 and 12/19/2014. In both instances the creditor investigated and then responded that theinformation was accurate. Results of the investigations were provided directly to Mr. [redacted].Because the information was confirmed accurate, we must respectfully decline Mr. [redacted]' requestto remove the disputed information from his Experian credit report.Additionally, our records indicate that the [redacted] account is presently under investigation. Thisaccount is an installment education loan.When a consumer disputes the accuracy or completeness of information on their personal creditreport and tell us specifically why they believe the information is inaccurate or incomplete, we processthe dispute as required by law. We contact the furnisher of the information or the vendor thatcollected the information from a public record source such as a court or other government office. Weask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of theinformation regarding the item the consumer disputed, and report back within 30 days of the date thatwe received the request We review and consider the response to determine whether to accept it,reject it, or follow up for additional information. If we do not receive a response from the furnisher orthe vendor within the required period, we update the item as requested or delete the information, andsend the consumer the results 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, asappropriate, based upon the dispute and the results of our processing. In some instances, uponreviewing the credit file and any relevant information the consumer has submitted to us, we are able todetermine whether the disputed information should be changed or deleted without having to contactthe furnisher or the vendor. After we complete our processing, we send the consumer the results.If Mr. [redacted] disagrees with the results of the reinvestigations, it is his legal right, under the FCRA,to add a 100-word statement specifying the nature of his dispute. The statement will appear with theitem as long as the item remains on the credit report. Any further concerns regarding the disputedinformation will need to be directed to the sources of the information.The [redacted] Small Claims Court can be contacted as outlined above. [redacted] can becontacted at [redacted], El Paso, TX 79998 and [redacted] can be contacted at [redacted] SD 57104, Telephone number ###-###-####.If Mr. [redacted] has any additional supporting documentation regarding the disputed information, hemay forward it directly to me for review.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

August 11, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of August 3, 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 AssociateConsumer Affairs Special Services[redacted]

October 15 2014
Revdex.com
Serving San Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA...

92t23
RE [redacted]
REF# [redacted]
Complaint ID # [redacted]
Dear Revdex.com:
Our office recently received your correspondence of October 9, 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

October 23, 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 20, 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

March 3, 2017Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave., #200 San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF: [redacted]Dear Revdex.com:Our office recently received your correspondence of February 23, 2017 regarding the above...

mentioned consumer's personal Credit reportOur records show conflict between the identification information being reported on the credit profile and the identification information provided in your correspondence.In order to research this matter fully, we will need the consumer to provide our office with proof of their social security number, such as a copy of the consumer's social security card or a document from the Social Security Administration that displays the consumer's name along with the social security number.In addition, we will need all of the following identification information: the full name including middle initial (and generation such as JR, SR, II, III), current mailing address, social security number (required due to the nature of the consumer's disputes), date of birth and previous address for the past 2 years. Please include all the consumer's specific disputes.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]

Bettes 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 March 7, 2016 regarding the above mentioned...

consumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.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]CC. [redacted]

June 28, 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 June 20, 2016 regarding the above...

mentioned consumer's personal credit report.Our records indicate that we have not previously received this complaint from the Revdex.com.An Extended Security Alert has been added to the consumer's credit report. This message, which will expire after 7 years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.We are currently investigating the [redacted] and [redacted] accounts with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the Consumer.Our records indicate that the Express account appears as an account in good standing on the consumer's current Experian credit report.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 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.Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing information. Therefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]

December 23, 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 dated December 11, 2015, regarding...

the above mentioned consumer's personal credit report.Experian is committed to the protection of each consumer's privacy. Therefore, we disclose the personal credit report only to the requesting consumer who is the subject of the information. We are in the process of providing the current personal credit reports to the consumer for review.Thank you for allowing us to assist you in this matter.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Hello! My name is [redacted]. I am writing you regarding complaint #[redacted]. [redacted] has filed this complaint on my behalf and I would like to proceed with filing the complaint. [redacted] has my permission to speak in my behalf. Thank you for your time and please feel free...

to contact me with any questions or concerns. [redacted]

March 11, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123Re: [redacted]Ref: [redacted]Complaint#: [redacted]Dear Los Angeles Revdex.com:Our office recently received your correspondence of February 25, 2015 regarding the abovementioned consumer's rebuttal of our response to his complaint.Regarding [redacted],our records indicate this account wasinvestigated on 11 /10/2014. The information was verified as accurate by the creditor with resultsbeing provided directly to the consumer on 11/18/2014.Because the information was confirmed accurate, we must respectfully decline his request to removeit from his Experian credit report.When a consumer disputes the accuracy or completeness of information on their personal creditreport and tell us specifically why they believe the information is inaccurate or incomplete, we processthe dispute as required by law. We contact the furnisher of the information or the vendor thatcollected the information from a public record source such as a court or other government office. Weask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of theinformation regarding the item the consumer disputed, and report back within 30 days of the date thatwe received the request We review and consider the response to determine whether to accept it,reject it, or follow up for additional information. If we do not receive a response from the furnisher orthe vendor within the required period, we update the item as requested or delete the information, andsend the consumer the results 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, asappropriate, based upon the dispute and the results of our processing. In some instances, uponreviewing the credit file and any relevant information the consumer has submitted to us, we are able todetermine whether the disputed information should be changed or deleted without having to contactthe furnisher or the vendor. After we complete our processing, we send the consumer the results.If Mr. [redacted] disagrees with the results of the reinvestigations, it is his legal right, under the FCRA, toadd a 100-word statement specifying the nature of her dispute. The statement will appear with theitem as long as the item remains on the credit report. Any further concerns regarding the disputedinformation will need to be directed to the sources of the information. [redacted] can becontacted at [redacted].If Mr. [redacted] has any additional supporting documentation regarding the disputed information, he mayforward it directly to me for review.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

April 27, 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 April 17, 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

December 22, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: Mary A. Floyd. Complaint ID #[redacted]REF ii: 130166777Dear Revdex.com:Our office recently received your correspondence of December 14, 2016...

regarding the above mentioned consumer's complaint.Using the identification information you provided, we are unable to locate a credit record for the above-mentioned consumer. The Consumer either has no Credit history or additional identification information is needed in Order to access the Credit information. Please forward the Consumer's specific disputes along with the Consumer's Complete identification information (Social Security number, 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, 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 Experian Consumer Affairs 214726 4159CC M[redacted]

RE. [redacted] Complaint # [redacted]Ref # [redacted]Dear Revdex.com.Our office recently received your correspondence dated October 6, 2015, 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.If I may be of further assistance, please contact me directly.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Revdex.com:Thanks for you assistance Revdex.com and Experian for resolving this matter.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]