Experian

Dear Revdex.com:Our office recently received your correspondence of October 30, regarding the above-mentioned consumer's rebuttal of our response to their complaint.After careful research, our records indicate that the [redacted] was disputed on April 10, The account was removed from the consumer's credit report on May 9, 2017.Additionally, we received the required information to place the [redacted] account back on the consumer's credit reportThe account was placed back on record on October 5, The consumer was notified by US mail on October 5, 2017, that the account was being added back to the credit report.Each national consumer Credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing information.Therefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer Credit reporting agency.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

August 20, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Better Business Bureau:Our office recently received your correspondence of August 11, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take aslong as days to reach a conclusionAfter 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 recordPlease 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***

Dear Revdex.com:Thank you for your recent correspondence dated August 15, 2017, regarding the above mentioned ConsumerOur records indicate that we previously conducted an investigation regarding the disputed information and have provided the results of our investigation directly to the consumer.if a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal credit report because every action that relates to credit may become part of the credit historySo even though the court did not allow the filing of the bankruptcy or the bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal credit report.According to the Fair CreditReporting Act (FCRA), Section (d) (1), if a bankruptcy is withdrawn before a final judgment "the consumer reporting agency shall include in the report that such case was Withdrawn".The bankruptcy dismissed/withdrawn status will remain on the consumer's Experian credit report for seven years from the filing date.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 informationTherefore, 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.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 disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information may need to be directed to the data furnisher reporting this informationIf you have any additional supporting documentation regarding the disputed information, please forward that to my attention for review.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 disputeIn 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 documentsConsumers may also contact Creditors directly to dispute items reported by the data furnisherIf the issue is not resolved, then the Consumer Credit ; , reporting agency must offer to include a consumer statement on the personal Credit reportThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

I do authorize this complaint, [redacted] is helping me with this[redacted]

[redacted] Experian strives to achieve a high level of customer service for all the consumers they assistLet assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

July 21, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Ref #: [redacted] Complaint # [redacted] Dear Revdex.com:Our office recently received your correspondence dated July 9, 2015, regarding the above mentionedconsumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we willprovide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directlyby letter, telephone, or through an automated verification systemWe ask the source to check theirrecords to verify all of the information regarding the item questioned, and report back to us within 30days of the date that we received the consumer's requestOnce we receive their response, we sendthe consumer the results of the investigationIf we do not receive a response within days weupdate 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 disputeprocess is to investigate the information to determine the accuracy and completeness of any disputeditem by contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's disputeIf the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit reportThe FCRAdoes not require that the consumer reporting agency obtain documentation such as the actual signedsales slips, signature cards, contracts, etc.; nor does it require that consumer reporting agencies actas mediators or negotiators in account disputesPlease forward any documentation directly to thecreditor for review.Please refer to the original Experian personal credit report for the business name, address, and phonenumber (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

Dear Revdex.com:Our office recently received your correspondence of July 28, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the disputed bankruptcy information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the Consumer.Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take as long as days to reach a conclusionAfter 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 thefurnisher of the information directly or review the original information in the public recordPlease referto 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 assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions[redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs

December 3, 2014Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] REF# [redacted] Complaint ID [redacted] Dear Sir/Madam:Our office recently received your correspondence of November 25, regarding the abovementioned consumer's personal credit profile.Today I contacted the consumer directly by telephone and was able to assist him with his Experiancredit report The consumer stated that he had already taken care of the issues regarding the securityfreeze on his Experian credit report.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

April 6, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of March 30, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take aslong as days to reach a conclusionAfter 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 recordPlease 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate?

January 2, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] ***REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of December 23, regarding the abovementioned consumer's personal credit reportWe are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take aslong as days to reach a conclusionAfter 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 recordPlease 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 ser [redacted] for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious ser [redacted] seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

July 21, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID [redacted] Dear Revdex.com:Our office recently received your correspondence of July 14, regarding the above mentionedconsumer's personal credit reportWe are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.Home equity lines of credit are considered revolving accounts because they are open-ended lines ofcreditThis allows the home owner to make multiple withdrawals against the line of credit up to a pre-approvedlimitAn installment loan differs in that if is a onetime transaction for a specific amount.Additional charges cannot be added on to installment loans.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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can fake aslong as days to reach a conclusionAfter 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 recordPlease 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

March 11, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of March 2, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take aslong as days to reach a conclusionAfter 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 recordPlease 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Our office recently received your correspondence regarding the above mentioned consumer's rebuttal of our response to his complaint.According to our records, the Tax Lien appear as stated on the consumer's current Experian credit report, as having been paidA copy of the current Experian credit report is being mailed directly to the consumer for review.The Fair Credit Reporting Act (FCRA) states in section (a) (3) "no consumer reporting agencymay make any consumer report containing paid tax liens which, from the date of payment, antedate the report by more than seven years'.Thank you for allowing me to assist youPlease contact me directly if you have any questions

ExperianJanuary 8, 2016Revdex.com Serving San Diego and Imperial Counties Viewridge Ave #San Diego, CA 92123RE: [redacted] Complaint ID: [redacted] REF# [redacted] Dear Better EUsiness Eureau.Thank you for submitting your complaint dated 12-29-2015, regarding Mr***We appreciate that your office took the time to let us know about his experience with our company.Our records indicate that the disputed account was removed from the credit report on January 1, 2016, by the request of the data furnisherAt this time, I am in the process of mailing a current copy of the credit report to Mr [redacted] for confirmationHe should receive this report in the to business days.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services ***

March 31, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of March 23, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take aslong as days to reach a conclusionAfter 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 recordPlease 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate?

::::: ExperianDecember 15, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of December 7, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, 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 processingIf 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 informationIn 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 vendorInvestigations can take as long as days to reach a conclusionAfter 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 recordPlease 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 assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

Dear Revdex.com:Our office recently received your correspondence of August 15, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumers.The Consumer may want to contact the creditors involved in this situation to explain the circumstancesThey may request for the consumer to complete an affidavit of fraud so they may further investigate the disputed accountA Security Alert has been added to the consumer's credit reportThis message, which will expire after days, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consentAs an additional precaution, we have removed the consumer's name and address from prescreened offer mailing lists for six monthsFor the consumer's Convenience, we will share this security alert request with the other national credit reporting agencies, Equifax and Trans Union.Please contact me directly if I may be of further assistance regarding this matter.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

January 13, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] REF #: [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of January 6, regarding the above mentionedconsumer's rebuttal of our response to his complaint.An Initial Security Alert has been added to the consumer's credit reportThis message, which willexpire after days, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.Our records indicate that the information disputed in the consumer's original complaint of December16, does not appear on his current Experian credit reportWe are presently investigating the additional information with which the consumer disagreesUponcompletion of this process, we will provide the results of our investigation directly to the consumer.We have mailed a current credit report directly to the consumer for reviewIf there is additionalinformation with which the consumer disagrees, please specify the item or account name and numberalong with the consumer's specific disputesPlease provide 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 iden1ification card, such as a driver'slicense, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

July 24, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] ***REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of July 15, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verily all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take aslong as days to reach a conclusionAfter 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 recordPlease 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affair

Yes, I have hired a third-party to file and manage this complaint Regards, [redacted]