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.
Hello [redacted] no I do not accept the extended fraud alert from experian, I need them to delete [redacted] FRAUD ACCOUNT NUMBER [redacted] I DISAGREE AND DO NOT EXCEPT EXPERIAN OFFER THEY HAVE VIOLATED THE FAIR DEBT CREDIT ACT.Regards,
[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.Thank you for your recent correspondence dated August 22, 2017 regarding the above mentioned consumer. Our records indicate that we previously cordicted an investigation regarding the disputed information and have provided the results of our investicitc. directly to the...

consumer.Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own piiries and guidelines for disputing information. Therefore, we cannot update or delete info: Ta'irl in our database based on the results of a dispute with another consumer credit reporting agency no can we dispute information for a consumer with another consumer Credit reporting agencyIf 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 data furnisher 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 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 data furnisher. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,Y[redacted]n Senior Regulatory Affairs Associate Experian Consumer Affairs 2[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 have tried to reach the Experian representative numerous times and only get his voicemail.]
Regards,
[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]

[redacted]Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that while this proposed action of investigation would begin to  resolve my complaint,  you've spelled my name as [redacted].  Please ensure that the you are correctly investigating the personal information for my accurately spelled name ([redacted]). 
Regards,
[redacted]

Dear Revdex.com:Our office recently received your correspondence of August 25, 2017, regarding the above mentioned Consumer's personal credit report.We are in the process of providing the consumer with their current Experian personal credit report.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 request investigations.We apologize for the difficulty the consumer encountered while attempting to obtain their credit report. Experian is committed to the protection of each consumer's privacy and the security of their personal information and credit report. If the consumer continues to have questions or concerns regarding their Experian credit report they may contact me directly at [redacted] and I will assist him in any way that I Can.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely, [redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

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

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

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

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], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I have supplied Experian with additional information (1099c) from 2012 in which I had to claim this debt as income. Once a debt is claimed as income it is against the law to attempt to collect on the account and it is also against the law to report the account as if they are actively being collected on. Experian currently actively list these accounts as past due and they still list them as a current collection. There is no indication that these account have been cancelled due to the 1099c. Experian should be held responsible for this since they are the company furnishing information. All I simply ask is to update the records to correctly identify this account. Experian did not even acknowledge the 1099c proof that was provided to them. Please correct your records and update to reflect properly.
Regards,
[redacted]

February 25, 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 February 12, 2015 regarding the abovementioned consumer's rebuttal of our response to his complaint.We are presently investigating the [redacted] accounts with which the consumerdisagrees. Upon completion of this process, we will provide the results of our investigation directly tothe consumer.In your correspondence, the consumer states "I have attached the divorce decree". We are not ableto locate this attachment. A divorce decree may not affect the consumer's contracts with creditors ifthey have a joint account with an ex-spouse. The consumer will need to negotiate repayment withcreditors.Research indicates that we have not previously received any documentation regarding the [redacted]account from the consumer. If the consumer has additional information regarding these accounts,please forward it directly to my attention.Additionally, our research indicates that this account has been on the Experian credit report sinceOctober of 2007 and has never been removed.The [redacted] account presently shows a zero balance as it was included in the consumer's chapter7 bankruptcy discharged in September of 2009. Any account included in bankruptcy remains on thepersonal credit report for a maximum of seven years from the date the bankruptcy was either filed ordischarged. The bankruptcy itself, listed in the public record information section of the credit report,remains for seven years from the filing date if it was a Chapter 13, or 10 years from the filing date if itwas a Chapter 7, 11 or 12.Thank you for allowing me to assist you. Please contact me directly 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]

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

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 6, 2017Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: E[redacted]omplaint ID # [redacted] REF: [redacted]Dear Revdex.com:Our office recently received your correspondence of June 27, 2017, regarding the...

above mentioned consumer's personal credit report.We are currently investigating the chapter 7 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 Associate Experian 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]

Thank you for your recent correspondence regarding the above-mentioned consumer. Our records indicate that we have contacted the data furnishers to verify the accuracy of the information with which the consumer disagrees. The disputed information was verified as accurately reported and confirmation...

was mailed to the above-mentioned consumer for review.When a consumer disputes the accuracy or completeness of information on their personal credit report and tell us specifically why they believe the information is inaccurate or incomplete, we process their 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, under the FCRA, to add a 100-word statement specifying the nature of their dispute. The statement will appear with the item as long as the item remains on the credit report. Any further concerns regarding the disputed information may need to be directed to the creditors reporting this information. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available). If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute. In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly todispute 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.