Experian

Dear Revdex.com of San Diego,I grant my consent. [redacted] will to advocating on my behalf.Thanks

January 30, 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 22, 2015 regarding the above...

mentionedconsumer's personal credit report.We have removed the consumer's name from future prescreened offer mailing lists as requested andwe will notify Equifax, Trans Union and lnnovis of the consumer's request. If the consumer would liketo remove his name from direct marketing lists and individual reference services lists, then contact:[redacted] , [redacted] andExperian, [redacted], Attn: Consumer Services Department.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

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE. [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.Our records indicate that we previously conducted an investigation regarding the disputed information and have provided the results of our investigation directly to the consumer on September 20, 2015.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. If you have any additional supporting documentation regarding the disputed information, please forward that to my attention 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 our office if you have any questions.Sincerely,[redacted]

August 4, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID #[redacted]Dear Revdex.com.Our office recently received your correspondence of July 27, 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]

Dear Revdex.com:Our office recently received your correspondence of May 15, 2017 regarding the above mentioned consumer's personal Credit report.An Extended Security Alert has been added to the consumer's credit report on June 15, 2016. 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 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.Sincerely, [redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]

Dear Revdex.com:complaint ID # [redacted]Our office recently received your correspondence of September 18, 2017, regarding the above-mentioned consumer's personal credit reportTo assist you, we must verify the consurners current delivery address. Please send one copy of a govemment issued...

identification card, such as a driver's license, state ID card, military ID card, etc., one copy of a utility bill, bank or insurance staternent, etc. Make sure that each copy is legible (enlarge if necessary), displays the consumer's nanne ard current address, and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.Additionally, please forward the consumer's specific disputes along with the consumer's complete identification information (Social Security number, full name, current address, 'levious addresses inthe last two years and date of birth).Please include one copy of a government issued identification card, such as a drivers license or state ID card, etc., and one copy of a utility bill, bank or insurance staternent, etc.Experian strives to achieve a high level of custorner service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.

Dear Revdex.com:Our office recently received your correspondence of July 17, 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 for review.Please feel free to contact our office directly if you need further assistance.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

September 1, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID #[redacted]REFif [redacted]Dear Revdex.com.Our office recently received your correspondence of August 24, 2016 regarding the...

above mentioned Consumer's personal Credit report.We are currently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.When a Consumer disputes the accuracy or Completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by law. We contact the furnisher of the information or the vendor that Collected the information from a public record source such as a court or other government office either electronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by law. We review and Consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or Cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. Investigations can take as long as 30 days to reach a conclusion. After we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the Consumer also has the right to dispute information in the Credit report directly with the furnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of Customer service for all the Consumers they assist. Let me assure you that Experian takes its Commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please Contact our office if you have any questions.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.Primarily they have been given past 30 days already and still no resolution.
Regards,
[redacted]

March 30, 2017Revdex.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 March 22, 2017, regarding...

the above mentioned consumer's personal Credit report.We are currently investigating the One Main Financial account with which the Consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the CONSUET.[redacted] account appears as stated on the Consumer's Current Experian Credit report, as having been paid. A copy of the Current Experian Credit report is being mailed directly to the consumer for review.A "paid collection account" means that the account is paid, but the Credit grantor had sent the account to an internal collection department, hired an attorney or contracted with a collection agency to Collect the payments. This information will remain on the personal Credit report for seven years from the initial missed payment that led to the collection.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 Experian Consumer Affairs [redacted]CC [redacted]

The 3rd Party is authorized to work in my behalf.  Any questions please let me know. [redacted]###-###-####

I [redacted], authorize [redacted] to file this complaint on my behalf

February 6,2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]REF# [redacted]Complaint ID # [redacted]Dear Sir/Madam:Our office recently received your correspondence of January 30, 2015 regarding the above mentionedconsumer's...

personal credit profile.Today I contacted the consumer by telephone and was able to assist him with his Experian creditreport. The consumer confirmed receipt of a Vantage credit score mailed on January 29, 2015. Wehave mailed his current Experian credit report to the consumer for review.We sincerely apologize for the difficulty the consumer experienced in obtaining his score and creditreport. If the consumer has concerns or questions regarding his credit score and/or credit report inthe future, he may contact 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 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

See Attached file.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and I have enclosed all the documents that.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.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 June 6, 2017 regarding the above mentioned consumer's rebuttal of our response to their complaint.We have mailed a current Experian 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. We are unable to investigate inaccurate information on the Credit report without knowing which item or account is inaccurate along with the specific nature of the inaccuracy. Please specify the item(s) or account name(s) and number(s) along with the specific dispute(s).Please understand that not every consumer is guaranteed online access to their Credit report, that is why we also offer the option of writing in or calling into request your Credit report or dispute information on your credit report. Additionally, requests can be submitted via the internet at experian.com/upload or faxed to 855-829-9953. Please include your complete identification information with your request.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] On behalf of [redacted] Experian Consumer Affairs Senior Regulatory Affairs Associate 214726.[redacted]CC [redacted]

Dear Revdex.com:Our office recently received your Correspondence of August 18, 2017, regarding the above mentioned consumer's personal Credit report.We are currently investigating the disputed bankruptcy information with which the consumer disagrees. Upon 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 record. Although 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 Experian. Experian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record information. Experian'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 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 AssociateExperian Consumer Affairs [redacted]

October 8, 2014
Revdex.com
Serving San Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA 92123
RE [redacted]
REF# [redacted]
ID # [redacted]
Dear Revdex.com:
Our office recently received your correspondence of October 2, 2014...

regarding the above mentioned
consumer's personal credit report.
Our records indicate that we have contacted the data furnisher 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 on August 21,
2014 and September 24, 2014.
If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under
the FCRA, to add a t 00-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.
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

September 15, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID #[redacted]REFif [redacted]Dear Revdex.com.Our office recently received your correspondence of September 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.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 Consumer Affairs Special Services [redacted]

March 16, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE. [redacted] Complaint # [redacted]Ref # [redacted]Dear Revdex.com.Our office recently received your correspondence dated March 8, 2016, regarding the above...

mentioned consumer's Experian credit report.We are currently investigating the disputed information. Upon completion of this process, we will provide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification system. We ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within 30 days of the date that we received the consumer's request. Once we receive their response, we send the consumer the results of the investigation. If we do not receive a response within 30 days we update the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's dispute. If the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit report. The FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputes. Please forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directly.[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services 214 726 4045Sincerely,