Experian

May 26, 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.Thank you for your recent correspondence dated May 18, 2016, regarding the above...

mentioned consumer. 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 April 23, 2016.Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing information. Therefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency.If your client 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 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 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,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

February 17, 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 9, 2015 regarding the above...

mentionedconsumer's personal credit report. Our records indicate that we have not previously received thiscomplaint from the Revdex.com.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.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's rolein the dispute process is to review the accuracy and completeness of any disputed item which mayinclude contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's dispute. If the issue is not resolved, then the consumer creditreporting agency must offer to include a consumer statement on the personal credit report.The Consumer Financial Protection Bureau (the government agency charged with enforcement of theFCRA) does not require that the consumer credit reporting company obtain documentation such asthe actual signed sales slips, signature cards, contracts, etc.; nor does it require that consumer creditreporting agencies act as mediators or negotiators in account disputes.A national consumer credit reporting agency stores information from credit grantors, public recordsand other reliable sources following the guidelines in the Fair Credit Reporting Act. If additionalinformation is needed about an item on your report, then the consumer may want to contact thesource directly. Please refer to your original personal credit report for the name of the business orgovernment office, address, and phone number (if available) of the source of the information.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

December 8, 2014Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID [redacted]Dear Revdex.com:Our office recently received your correspondence of December 2, 2014 regarding the...

abovementioned consumer'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 submi11ed 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 me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

June 12, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Thank you for your recent correspondence of June 5, 2014 regarding the above mentioned...

consumer.Our records indicate that we have previously investigated[redacted] and[redacted]at the sources, the US Bankruptcy Courts in [redacted] and [redacted], **. The information wasverified as accurately reported and confirmation was mailed to the consumer at the conclusion of theinvestigations that concluded June 15, 2010 and May 22, 2015.If these bankruptcies were initiated as a result of identity theft, the consumer should contact the USTrustee at the courts directly. The US Bankruptcy Court [redacted] is located at [redacted], telephone ###-###-####. The US Bankruptcy Court [redacted] is locatedat [redacted], telephone ###-###-####. The consumer mayalso want to contact the US Attorney and/or the FBI in the city where the bankruptcies were filed.Judgments, Tax Liens and Bankruptcies are a matter of public record. Although the court where thedisputed public records are filed may not report this type of data, a vendor may collect this datadirectly from the court's public records and supply that information to Experian.When a consumer disputes the accuracy or completeness of information on their personal creditreport and tells us specifically why they believe the information is inaccurate or incompleie, weprocess their dispute as required by law. We contact the furnisher of the data or the vendor thatcollected the information from a public record source such as a court or other government office toverify the accuracy of the disputed 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 name 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 regarding the disputed information, theymay forward that directly to me for review.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

I [redacted] am giving written consent for [redacted] to file this claim on my behalf. Their info is : [redacted],  [redacted]

April 21, 2016Revdex.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 April 15, 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 [redacted]Sincerely,

::::: ExperianOctober 22, 2015Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted]REF# [redacted]Dear Revdex.com.Our office recently received your correspondence of October 15, 2015...

regarding the above mentioned consumer's personal credit report.According to our records, we received from the consumer on September 9, 2015 a request for a reinvestigation and the results were mailed to the consumer on September 21, 2015. We are in the process of forwarding the report to the consumer for review.Thank you for allowing me to assist you. Please feel free to contact our office directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]

August 12, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]Ref #: [redacted]Complaint# [redacted]Dear Revdex.com:Our office recently received your correspondence dated August 3, 2015, regarding...

the abovementioned consumer's Experian credit report.We are currently investigating the disputed information. Upon completion of this process, we willprovide the results of our investigation directly to the consumer.If I may be of further assistance, please contact me directly.Sincerely,[redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services[redacted]

Dear Revdex.com:complaint ID # [redacted]Our office recently received your correspondence of September 18, 2017, regarding a mentioned consumer's personal credit reportWe apologize for any inconvenience the consumer experienced in their contact with Experian. Our records indicate that the...

consumer was able to place a Security freeze on the Experian credit report on 13, 2017, through our automated phone system. If consumer has additional concerns or questions may contact me directly at 214-726-4068 and I will assist them in any way that I can.In the state of North Carolina there is not a fee for the consumer to place a security free on credit report unless they are a protected consumer between the ages of 16 and 62. The fee for the protected consumers is $5.Equifax announced on September 7th that they recently discovered a data breach in their system that affected a large number of consumers. As with any data breach this is an unfortunate situation for impacted consumers. To be clear, this is an Equifax incident and unrelated to Experian. We have no indication, nor any reason to believe we were affected. However. we stand ready to support impacted consumers as needed.For specific information this data breach, the consun may contact Equifax at 866-447-7559.Not everyone will be a victim of identity theft as a result of a breach, but keeping informed can help the consumer mitigate risk wren dealing with any data breach. When a breach does occur, the can take action by doing a few things.Stay alert: If the consumer have been part of a data breach, the breached company may send them a notice. Retain all documents and consider any suggestions they may have. Also, pay attention to and retain any mail they receive that is unfamiliar to them, such as notices from the IRS regarding taxes or any bills from unknown lenders.Monitor financial accounts: consumer can visit their online bank and financial accounts, up any alert features they may have, if the consumer has not already done so. This could help save some time and keep them notified of any unusual events when they occur.Monitor credit reports: The consumer can check their credit for free once every twelve months by visiting AnnualCreditReport.com. Checking credit can help the consumer identify any unusual activity, such as new accounts, new personal or inquiries. Experian free credit report members can check their Expenan credit report for free every 30 days on sign in.Also, if the consumer is already a member of Experian  Identity Works,  they can lock and unlock their Experian credit report at any time.For more Information regarding their credit and frequently asked questions the consumer may visit: httm//www experian.com/blogs/ask-experian/category/blog/protecting-your-identity/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 youfor allowing to assist you. Please contact me directly If you have any questions.Sincerely, [redacted]

October 23, 2014
Revdex.com
Serving San Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA 92123
RE [redacted]
REF# [redacted]
Complaint ID # [redacted]
Dear Revdex.com:
Our office recently received your correspondence of October 20,...

2014 regarding the above menti[redacted]d
consumer's personal credit report.
An Extended Security Alert has been added to the consumer's credit report. This message, which will
expire after 7 years, alerts credit grantors to verify the consumer's identification in case some[redacted] is
using their information without their consent.
We are currently investigating the ** [redacted] and #[redacted] accounts
with which the consumer disagrees. Upon completion of this process, we will provide the results of
our investigation directly to the consumer.
Our records indicate that the [redacted] account does not appear on the consumer's current
Experian credit report.
Regarding [redacted] our records indicate that we previously investigated this
account on 08/20/2014. The creditor verified the accuracy of the account. Results of the investigation
were provided directly to the consumer. Any further concerns regarding this disputed information may
need to be directed to the creditors reporting this information. Please refer to the original personal
credit report for the furnisher name, address, and ph[redacted] number (if available).
Our records indicate that thru our vender, we have previously investigated the [redacted]ruptcies at the
source and verified the accuracy of information. Investigations were initiated on 08/29/2012,
09/07/2012, 10/23/2012,11/14/2012, 05/06/2014, 05/15/2014, 06/25/2014 and most recently on
09/25/2014. Results of the investigations along with the Notice of [redacted]ruptcy Case Filing and Case
Summary documentation on file at the United States [redacted]ruptcy Court were provided directly to the
consumer. Any further concerns regarding the disputed information may need to be directed to the
source: The ** [redacted]ruptcy Court Houston TX, [redacted]
If the consumer has additional Information regarding the disputed information, for example a complete
copy of a valid Identity Theft Police Report, please forward it directly to my attention for review.
Judgments, Tax Liens and [redacted]ruptcies 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.
Each national consumer credit reporting agency may interpret the requirements of the Fair Credit
Reporting Act differently and each company has their own policies and guidelines for disputing
information. Therefore, we cannot update or delete information in our database based on the results
of a dispute with another consumer credit reporting agency nor can we dispute information for a
consumer with another consumer credit reporting agency.
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me
assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you
for allowing me to assist you. Please contact me directly if you have any questions.
Sincerely,
[redacted]
Senior Regulatory Affairs Associate

January 20, 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 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 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 me directly 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.The results are not displayed or completed.
Regards,
[redacted]

I [redacted] give conformation to the complaint sent to you and would like to move forward with it... Thanks for your help [redacted]

Our office recently received your correspon&rwe of October 19, 2017 regarding the above-mentioned consumers 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 specific data is incorrect, the consumer should also indicate what the correct information should be. Please specw the tem or account name and number.Please provide the consumer's specific disputes along with their com*te identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth). Also, please include one of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or 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 seriousty. Thank youfor allowing me to assist you. Please contact our office if you have any qæstions. Sincerery,
[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs[redacted]

February 19, 2015Revdex.comServing San Diego and Imperial Counties[redacted]RE [redacted]REF# [redacted]ComplaintiD [redacted]Dear Revdex.com:Our office recently received your correspondence of February 10, 2015 regarding the abovementioned...

consumer'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. We ask thefurnisher or the vendor to conduct a thorough and complete investigation to verify all of the informationregarding the disputed item, and report back within the time frame required by law. We review andconsider the response to determine whether to accept it, reject it, or follow up for additionalinformation. If, after processing, we find that the disputed information is inaccurate, incomplete orcannot be verified, we then delete that information, or modify that information, as appropriate, basedupon the dispute and the results of our processing. If we do not receive a response from the furnisheror the vendor within the required period, we update the item as requested or delete the information, Insome instances, upon reviewing the credit file and any relevant information submitted to us, we areable to determine whether the disputed information should be changed or deleted without having tocontact the furnisher or the vendor. After we complete our processing, we send the consumer theresults.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).According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's rolein the dispute process is to review the accuracy and completeness of any disputed item which mayinclude contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's dispute. If the issue is not resolved, then the consumer creditreporting agency must offer to include a consumer statement on the personal credit report. TheConsumer Financial Protection Bureau (the government agency charged with enforcement of theFCRA) does not require that the consumer credit reporting company obtain documentation such asthe actual signed sales slips, signature cards, contracts, etc.; nor does it require that consumer creditreporting agencies act as mediators or negotiators in account disputes.Experian strives to achieve a high level of customer service for all the consumers they assist. Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

August 24, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]...

[redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of August 14, 2015 regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by law. We contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by law. We review and consider the response to determine whether to accept it, rejectit, or follow up for additional information. If, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processing. If we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendor. Investigations can take aslong as 30 days to reach a conclusion. After we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public record. Please referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist. Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services[redacted]

June 1, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE. Samantha Wright Complaint # [redacted]Ref # [redacted]Dear Revdex.com.Thank you for your recent correspondence dated May 23, 2016, regarding the above mentioned consumer. Our records indicate that We previously conducted an investigation regarding the disputed information on May 20, 2016 and the creditor responded on May 23, 2016. The creditor [redacted] verified the reporting as accurate. We have provided the results of our investigation directly to the consumer on May 23, 2016.(Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing information. Therefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency.If your client 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 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 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,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

There us no 3rd party this is a complaint against the bureau itself  [redacted]signature4-23-15

:::::: ExperianMarch 10, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted]REF# [redacted]Dear Eetter Business Eureau.Our office recently received your correspondence of March 1, 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]

September 1, 2016Revdex.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 August 24, 2016...

regarding the above mentioned Consumer's Complaint.We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error". If the status dates, amounts, balances or other specific data is incorrect, the Consumer should also indicate what the Correct information should be. Please specify the item or account name andUmber.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.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 in to request your credit report or request investigations.For additional assistance, the Consmer may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at P.O. Box 124, Allen, TX 75O13.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 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]CC J[redacted]