Experian

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.
First off I have yet to provide documentation of any kind to Experian. I received a letter from the bankruptcy court recently that details how they verify information with the credit bureau's. I have not submitted this letter to Experian yet as I was waiting for the response to this complaint. However, this letter does state that the bankruptcy courts do not provide the full social security number associated with the case. So, when Experian is lying and saying they have verified that information, it is exactly that, a lie. The bankruptcy court will no provide the full social security number, not verbally, not on a written letter, not in any form. They only provide the last 4 digits of the social security number. I have asked Experian to send documentation that specifically shows the full name, social security number, address, etc. for this bankruptcy case on my credit report and I have not received this documentation from Experian. My point here is that Experian is not doing its job completely in verifying information being reported on my credit report, and quite frankly its not happening for millions of other consumers either. Experian never provides documentation of specific information for items that they claim to verify. Again, as I have mentioned before I would like specific verifying documentation from Experian showing the method of verification, the individuals contact name, address, phone number, and what information they verified as accurate for each item on my credit report, or I want all the items deleted from my credit report. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12525728, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
 Complaint Type:Contract IssuesselectProblem:Experian permanently blocked [redacted] on 1/24/2018 due to a complaint that I filed against them on The Credit financial protection Bureau, which resulted in their response to permanently delete and block [redacted] Consumer. I was notified in writing that the account was permanently blocked and deleted from my credit report due to it being a fraudulent account due to ID theft I have the paperwork from the complaint and Experian showing the account was deleted. as of 2/12/18 Experian reinserted [redacted] on my credit report I do not legally have a contract with [redacted], they have transferred this fraudulent account to [redacted] asset management, but Experian is reporting that I owe [redacted] $25,000. By law Experian has to notify me within 5 business days in writing that the account has been reinserted and how is the company still reporting that I owe on a fraudulent debt that was sold and transffered. I have not received a notice regarding this fraudulent account being reinserted onto my credit report. I also sent by certified mail my police report and FTC ID theft form and the 605B letter regarding any fraudulent accounts should be blocked within 4 days of receiving the letter to Experian, after their investigation, they confirmed the account was fraudulent and blocked the account permanently ... Experian has violated the FCRA law which is a civil action for violation. I emailed the CEO of Experian [redacted] and spoke with his representative [redacted] regarding this issue without resolution. I have filed complaints with the Attorneys general office. I know Experian has been involved in many class action lawsuits due to inaccurate credit reporting.TranslateDesired Resolution / OutcomeDesired Resolution:Other (requires explanation)selectDesired Outcome:to provide proof that this accounts belongs to me or permanently blocked and delete the account    
Regards,
[redacted]
Complaint Type:Contract IssuesselectProblem:Experian permanently blocked [redacted] on 1/24/2018 due to a complaint that I filed against them on The Credit financial protection Bureau, which resulted in their response to permanently delete and block [redacted] Consumer. I was notified in writing that the account was permanently blocked and deleted from my credit report due to it being a fraudulent account due to ID theft I have the paperwork from the complaint and Experian showing the account was deleted. as of 2/12/18 Experian reinserted [redacted] on my credit report I do not legally have a contract with [redacted], they have transferred this fraudulent account to [redacted] asset management, but Experian is reporting that I owe [redacted] $25,000. By law Experian has to notify me within 5 business days in writing that the account has been reinserted and how is the company still reporting that I owe on a fraudulent debt that was sold and transffered. I have not received a notice regarding this fraudulent account being reinserted onto my credit report. I also sent by certified mail my police report and FTC ID theft form and the 605B letter regarding any fraudulent accounts should be blocked within 4 days of receiving the letter to Experian, after their investigation, they confirmed the account was fraudulent and blocked the account permanently ... Experian has violated the FCRA law which is a civil action for violation. I emailed the CEO of Experian [redacted] and spoke with his representative [redacted] regarding this issue without resolution. I have filed complaints with the Attorneys general office. I know Experian has been involved in many class action lawsuits due to inaccurate credit reporting.TranslateDesired Resolution / OutcomeDesired Resolution:Other (requires explanation)selectDesired Outcome:to provide proof that this accounts belongs to me or permanently blocked and delete the account

July 24, 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 July 15, 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 verily 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 Affair

[redacted]
 Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank 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]

Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123 RE [redacted]a Complaint ID # [redacted] REF# [redacted] Dear Revdex.com: Our office recently received your correspondence of September 29, 2013 regarding...

the above mentioned consumer’s personal credit report. Our records indicate that we have not previously received this complaint from the Revdex.com. Additionally, 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.  If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their dispute. The statement will appear with the item as long as the item remains on the credit report. Any further concerns regarding the disputed information may need to be directed to the creditors reporting this information. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available). If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review. 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 AssociateConsumer Affairs Special Services[redacted]

June 26, 2016Revdex.com Serving [redacted], Orange and Imperial Counties 4747 Viewridge Ave., #200[redacted], CA 92123[redacted]Dear Revdex.com.Our office recently received your correspondence of July 18, 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 consumes.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by law. We contact the [redacted] 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 [redacted] of the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If we do not receive a response from the [redacted] 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 [redacted] 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 furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the [redacted] of the information directly or review the original information in the public record. Please refer to the original personal credit report for the [redacted] 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 me directly if you have any questions.Sincerely,[redacted]
[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.
Wow. Clearly You are NOT investigating MY disputes because I have NEVER had a bankruptcy on my credit report and I have NEVER disputed a bankruptcy so tell me exactly how are you investigating something I'm not disputing. Since you are clearly not taking my dispute serious and have been ignoring my past disputes and my request for method of verification PLEASE REMOVE ALL ACCOUNTS REQUESTED IN THE FIRST MESSAGE!!!!!! THIS IS NOT A DISPUTE. It's a request for REMOVAL. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]EXPERIAN:Please provide me with the report number and confirmation of the current reinvestigation for my records.I would also like to remind EXPERIAN that the statute is plenty clear regarding my request and noncompliancewill not be tolerated.Upon completion of your investigation please provide me with the name and address of any furnishers of information connectedto this investigation and the name of the person that was contacted and the phone numberto reach them at and any copies of any documentation you may receive which pertain to thisinvestigation.Please govern yourself accordingly.Regards,[redacted]  and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Dear Revdex.com.Complaint ID # [redacted]Our office recently received your correspondence of September 21 , 2017, regarding the above-mentioned consumer's complaint.Our records indicate that the disputed bankruptcy information does not appear on the consumer's current Experian credit...

report We have mailed a current Experian credit report directly to tie consumer 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 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 Experian Consurner Affairs[redacted]

December 1, 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 November 21, 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]

January 28, 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 20, 2014 regarding the above...

mentionedconsumer's personal credit report.Our records indicate that we previously investigated [redacted] FINANCIAL SERVICES on four separateoccasions dating back to August 13, 2013. At the conclusion of each investigation, the disputedinformation was verified as accurately reported by the data furnisher. Results of the investigation wereprovided to [redacted] at the conclusion of each investigation.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 processtheir dispute as required by law. We contact the furnisher of the data to verify the accuracy of thedisputed information.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, underthe FCRA, to add a 100-word statement specifying the nature of their dispute. The statement willappear with the item as long as the item remains on the credit report. Any further concerns regardingthe disputed information may need to be directed to the creditors reporting this information. Pleaserefer to the original personal credit report for the furnisher or public records office name, address, andphone number (if available). If the consumer has any additional supporting documentation regardingthe disputed information, they may forward that to us for review.Additionally, our records indicate that a statement was added to [redacted]'s Experian credit reporton January 16, 2017 per his request. We are mailing a copy of the Experian credit report to [redacted] for review.Any concerns regarding [redacted] being a paying customer are handled in a different Experianoffice. We have forwarded your correspondence to the following division for review and response.Experian Consumer Services.PO Box 2390Allen, TX 75013Toll Free Telephone: 877 297 7790Because we are unable to assist with the "Paying Customer" issue, it is recommended that theconsumer contact Experian Consumer Services directly.Experian strives to achieve a high level of customer service for all the consumers they assist. Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact me directly at if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

Dear Revdex.com:Our office recently received your correspondence of May 24, 2017, regarding the above mentioned consumer's personal credit report.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute....

Examples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error". If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth). Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726[redacted]

July 2, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of June 25, 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

::::: ExperianOctober 29, 2015Revdex.com Serving San Diego, Orange & 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 October 19, 2015 regarding the above mentioned consumer's personal credit report.A Security Alert has been added to the consumers' credit reports. This message, which will expire after 90 days, alerts credit grantors to verify the consumers' identification in case someone is using their information without their consent. As an additional precaution, we have removed the consumers' name and address from prescreened offer mailing lists for six months. For the consumers' convenience, we will share this security alert request with the other national credit reporting agencies, Equifax and Trans Union.Our records indicate that we received the consumer's disputes in regards to [redacted] ([redacted]) account # [redacted] on 2/9/2011, 4/05/2011, 05/06/2015 & 07/10/2015. Investigations were initiated. The Investigations were completed and results mailed to the consumer on 02/24/2011, 04/21/2011, 05/15/2015 & O7/27/2015.Because the creditor has confirmed the accuracy of the reported information on several occasions, we must respectfully deny the consumer's request to delete the account from the Experian credit report. If the consumer has additional information regarding the disputed information, please forward it directly to me.The method of verification was provided on 05/06/2015 when the consumer requested a reinvestigation and is included below. To ensure that the consumer receives this information, today we are mailing a current Experian credit report for review.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information. In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher 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 he may want to contact the furnisher of the information directly or review the original information. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Thank you for allowing me to assist you. Please contact me directly if you have any questions.[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]Sincerely,?? ; [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  I appreciate Mr. [redacted] from Experian [redacted] Bureau however, he did not give me his complete ph[redacted] number to call him on his letter it only has nine digits for the ph[redacted] number in his letter the teleph[redacted] number appears as [redacted] missing the last digit for the contact number for Mr. [redacted].
Regards,
[redacted]

February 3, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Dear Revdex.com:Our office recently received your correspondence of January 26, 2015 regarding the above mentionedconsumer's personal...

credit reportOur research shows that we have initiated strict measures to safeguard Mr. [redacted]'s information fromcombining with that of another person as of February 26, 2013. It is essential when he applies forcredit or is requesting a copy of a personal Experian credit report, to always use completeidentification information.An Extended Fraud Alert has been added to your client's credit report as of January 30, 2015. Thismessage, which will expire after seven years, alerts credit grantors to verify the consumer'sidentification in case someone is using his information without his consent We have shared hisrequest for an Extended Fraud Alert with the other nationwide consumer credit reporting agencies,Equifax and TransUnion. Additionally, it may be in Mr. [redacted]'s best interest to forward a copy of thepolice report to [redacted]'s attention for retention in his file.We are in the process of providing the current personal credit report directly to Mr. [redacted] for review.Copies of his report have been sent to those creditors that reviewed the report in the last 6 months forcredit and within the past 2 years for employmentIn regards to the letter Mr. [redacted]'s received in the name of [redacted], this information was sharedwith us from another credit bureau and since it did not match our records we were requestingverification from the consumer.Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely, [redacted]Senior Regulatory Affairs Associate

Dear Revdex.com:Complaint ID # [redacted]Our office recently received your correspon&nce of October 2, 2017, regarding the above-mentioned consumer's rebuttal of our response to his complaintWe are currently irwestigating the disputed bankruptcy inforrnation with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly tothe consumer.Judgrnents, Tax Liens ard Bankruptcies are a rnatter of public record. Although the court where the disputed public records are filed rruy not report this type of data, a vendor may collect this datadirectly from the court's public recorcÉ 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 ræthod of verification for public records complies with the requirernents of the Fair Credit Reporting Act (FCRA).Thank you for allowing me to assist you. Please contact our office if you have any questions.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs[redacted]

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 COnSUmerJudgments, 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]

May 19, 2016Bettes Business Bureau 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 May 12, 2016 regarding the above mentioned consumer's rebuttal of our response to his complaint.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).Thank you for allowing me to assist you. Please contact me directly at [redacted] if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

April 1, 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 March 24, 2015 regarding the above...

mentionedconsumer's personal credit report.To assist you, we must verify the consumer's current delivery address. Please send us one copy of agovernment issued identification card, such as a driver's license, state ID card, military ID card, etc.,and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible(enlarge if necessary), displays the consumer's name and current mailing address, and the date ofissue (statement dates must be recent). We are unable to accept credit card statements, voidedchecks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.Experian strives to achieve a high level of customer service for all the consumers they assist. Let 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