Experian

ExperianJune 20, 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 June 9, 2016 regarding the...

above mentioned consumer's personal credit report.Our records indicate that we have contacted the data furnishers 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.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 of 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 Consumes the results.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 Associate Consumer Affairs Special Services [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[The response does not address the credit bureaus legal responsibility to remove ALL credit reporting information if it cannot or has not been validated according to FCRA.  I do not have to pursue this with the creditor.  It is within my right to dispute it with the bureau and if they cannot furnish proof of validation, they must remove it.  A generic response of "being validated" is unacceptable.]
Regards,
[redacted]

RE [redacted] Complaint ID # [redacted]REF [redacted]Dear Revdex.com.Our office recently received your Correspondence of October 11, 2016 regarding the above mentioned consumer's personal credit report.Our records indicate that the disputed information does not appear on the...

consumer's current Experian Credit report. We have mailed a current Experian Credit report directly to the 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 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

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.
They say this same thing over and over, then don't delete the inaccurate information. Tell them I want actual proof with my signatures that I ever filed Bankruptcy. They can not provide this due to being false information and the fact is I never filed for Bankruptcy.  I am tired of them violating my rights and falsifying things on my credit report. They are in violation of federal law. Just saying they verified it without actual proof of my signatures is not good enough. 
Regards,
[redacted]

Hello [redacted]  In response to your letter I would like to Authorize the company [redacted] to file a complaint with the Revdex.com against Experian. Below is [redacted] information: 
[redacted]...

[redacted]           This is in regards to ID [redacted]. The letter I received from Revdex.com was not specific in the information I needed to provide. If you need more information from me please contact me again.  Thank you,  [redacted]

April 3, 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 27, 2015 regarding the above...

mentionedconsumer's personal credit report.According to our records, 12 of the student loans on the consumer's current Experian report appearas stated on the consumer's current Experian credit report, as having been paid in full, transferred orrefinanced with no balance owed. Two additional student loans, [redacted] and #[redacted] appear as included In a discharged Chapter7 Bankruptcy with no balance owed as well. The remaining student loan, [redacted] appears as an open, never late account.Additionally, the tax lien appears as having been paid in full or released. Paid in Full tax liens remainon the credit report for up to seven years from the filing date.Further review indicates that [redacted] was included in a dischargedchapter bankruptcy with no balance owed. No additional collection accounts appear on the creditreport. Accounts included in a bankruptcy remain on the personal credit report for a maximum ofseven years from the date the bankruptcy was either filed or discharged. The chapter 7 bankruptcyremains on the credit report for 10 years from the filing date.We have mailed an updated credit report directly to the consumer for review. If there is additionalinformation appearing on a credit report that is believed to be inaccurate or incomplete, we must havea specific dispute. Examples of specific disputes are as follows: "not mine, paid in full, neverdelinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacatedor filed in error". If the status dates, amounts, balances or other specific data is incorrect, theconsumer should also indicate what the correct information should be. Please specify the item oraccount 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 dateof birth). Also, please include one copy of a government issued identification card, such as a driver'slicense, 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 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 July 19, 2017 regarding the above mentioned consumer's personal Credit report.Our records indicate that we previously investigated the US BKPT CT[redacted]n 05/10/17 and 3/2720717. In each instance our...

vender confirmed the accuracy of the information.Review of the public record documents on file at the US Bankruptcy Court in [redacted], ** indicates the item is accurate as it appears on the Experian credit report: a Chapter 13 Bankruptcy filed by the consumer on 12/07/10 and discharged on 11/01/16. Additionally, the documents confirm the consumer's full name, last 4 digits of her Social Security number and address at the time offiling and discharge, her current address. Upon request, we will provide the bankruptcy documents to the Consumer for review.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.Because the information was confirmed accurate, we must respectfully decline the consumer's request to remove the disputed information from the Experian credit report.Any account included in a bankruptcy remains on the personal credit report for a maximum of seven years from the date the bankruptcy was either filed or discharged. 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 it was a Chapter 7, 11 or 12.According to the Fair Credit Reporting Act (FCRA), a national consumer Credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute. In order to help resolve the Consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor, if the issue is not resolved, then the consumer Credit reporting agency must offer to include a consumer statement on the personal credit report. If the consumer disagrees with the results of the reinvestigations, it is their legal right under the FCRA, to add a 100-word statement specifying the nature of his 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 will need to be directed to the source of the information, the US Bankruptcy Court in [redacted], ** at [redacted]. Telephone [redacted]if the Consumer has any additional supporting documentation regarding the disputed information, they may forward it directly to me for review.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. [redacted]

::::: ExperianDecember 9, 2015Revdex.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 of November 30, 2015 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 if you have any questions.Sincerely,[redacted] On Behalf of [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services 214 726 [redacted]

August 21, 2015Better Business...

BureauServing 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 August 12, 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]

August 21, 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 August 13, 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]

Dear Beter Business Bureau:Complaint ID # [redacted]Our office recently received your correspondence of September 25, 2017, regarding the above-mentioned consumer's personal credit reportWe are currently investigating the disputed information with which the consumer disagrees. Upon completion of this...

process, we will provide results of our investigation directly to the consumer.We have mailed a current credit report directly to the consuner for review. If there is additional information appearing on a credit report that is believed to be inaccurate or ircomplete, we must havea 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 vacatedor 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 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 drivers license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.When a consumer disputes the accuracy or compleness 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 fumisher of theinformation or the vendor that collectedthe information 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 complete investigation to verify all of the information regarding ttE item, and report back within thetime frarne required by law. We review and consider the response to determine whether to accegi it, reject it, or follow up for additional information. If, after processing, we find hat the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modifythat information, as appropriate, based upon the dispute and the results of our processing. If we do not receive a response from the fumisher or the vendor within the required period, we update the itemas requested or delete tie information, In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the displayed information should be changed or deleted without having to contact the fumisher 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 resultsIn 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 fie credit report directly with the furnisher of the informationIf 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. Pleaserefer to the original personal credit report for the fumisher 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 commitmentto efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact 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 this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
You credit repositories are corrupt. You are reporting inaccurate information on my credit report, yet you respond to me with intellectual dishonesty. You tell me that you have to report names and addresses that are provided to you by creditors even when you know it is inaccurate? Ok, carry on, but know we the people are standing up and fighting against this tyranny. This will not last much longer. We are tired.
Regards,
[redacted]

May 3, 2016Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123[redacted]This letter is in response your recent correspondence regarding the above mentioned...

consumer's personal credit report.We are unable to locate a credit record for the above mentioned consumer using the identifyinginformation he provided. To ensure a complete credit profile, Experian uses full name, including middle name and generation code, spouse's name, current address including zip code, previous addresses for the past two years including zip codes, social security number and date of birth.Experian is a credit reporting agency, and as such stores and reports financial obligations as they are reported to us by consumer's creditors. The above mentioned consumer may not have any creditors reporting his financial obligations to Experian at this time.Thank you for allowing me to assist you in this matter.Sincerely,[redacted] [redacted]

July 26, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, 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.Our records indicate that the disputed information does not appear on the consumer's current Experian credit report. We have mailed a current Experian credit report directly to the 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 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]

January 22, 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 16, 2015...

regarding the above mentionedconsumer's complaint.Our records indicate that we have previously investigated the [redacted] MTG # [redacted]xxxx on12/19/2014 and again on 12/29/2014 when we included the documentation received incorrespondence from Mr. [redacted] on December 23, 2014. The documentation provided included a[redacted]stead Deed for his [redacted] at [redacted] VA 22193. In both investigationsthe creditor responded that the account along with the bankruptcy status was to remain.Review of the [redacted]stead Deed indicates that the [redacted] qualified for an exemption of $t 0.00 perVirginia code (34-4). Additional research of the bankruptcy documentation on file at the USBankruptcy Court in [redacted] VA Doc #[redacted] indicates that the $10.00 exemption wasapplied to the balance owed on the above referenced account with the remainder being included inthe Discharged Chapter 7 Bankruptcy.Based upon this information, at this time we must respectfully decline Mr. [redacted]' request for removalof the [redacted] account or removal of the Bankruptcy status associated with the account.Any account included in a bankruptcy remains on the personal credit report for a maximum of sevenyears from the date the bankruptcy was either filed or discharged. The bankruptcy itself, listed in thepublic record information section of the credit report, remains for seven years from the filing date if itwas a Chapter 13, or 10 years from the filing date if it was a Chapter 7,11 or 12.If Mr. [redacted] has additional information or documentation supporting his claim that the [redacted] account or the bankruptcy status should be removed, please forward it directly to me.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 9, 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 June 1, 2016 regarding the...

above mentioned consumer's personal credit report.We are currently investigating the [redacted] account # [redacted] and [redacted] account [redacted]xxxx with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumes.Our records indicate that at no time was [redacted] account [redacted]xxxx deleted from the consumer's Experian credit report.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 of 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 Consumes the results.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 me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I have been trying to dispute things on my credit report but I am told I cant and they do not have to tell me why.There are inquiries that I did not authorize,I am also denied credit because it says I am dead shows I am not current on payments and that is wrong.Customer service is not friendly t all.I want this fixed asap
Regards,
[redacted]

Good Morning,I [redacted] am authorizing the Third Party filing this complaint on my behalf. Please allow them to move forward in my representation.I have written, and signed attached agreement with witness present.Thank You,[redacted]

April 21, 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 April 13, 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

July 13, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID #[redacted]Dear Revdex.com.Our office recently received your correspondence of July 5, 2016 regarding the above...

mentioned consumer's personal credit report.Our records indicate that we have not previously received this complaint from the Revdex.com.Our records indicate that we have previously contacted the creditors to verify the accuracy of the information with which the consumer disagrees. The disputed information was verified as accurately reported by the creditor and results were mailed to the consumer for review.Our records further indicate that the [redacted] and [redacted] accounts do not appear on the consumer's current Experian credit report. We are mailing a current Experian credit report to the consumer 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 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 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.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.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]