Experian

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

::::: ExperianNovember 12, 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 November 5, 2015 regarding the above mentioned consumer's personal credit report.According to our records, the [redacted] accounts appear as paid, closed, and never late on the consumer's current Experian credit report. Paid accounts with no late payment history remain on the credit report for 10 years from the paid date. A copy of the current Experian credit report is being mailed 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 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.
Regards,
[redacted]

March 16, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID# [redacted]REF# [redacted]Dear Revdex.com.Our office recently received your correspondence of March 5, 2016 regarding the above...

mentioned consumer's Experian credit report.An Initial Security Alert has been added to the consumer's credit report. This message, which will expire after 90 days, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.Based upon an ID Theft Police Report provided by the consumer, the [redacted] was blocked from his Experian credit report on 12/28/2015 and we notified the Creditor of our action.In a letter to Experian dated 02/06/2016, [redacted] certified that after a thorough investigation the account should be unblocked. The letter stated that the account "was found to be legitimate and not the result of identity theft" and requested that Experian reinsert the account and update the Consumer's credit file. On 03/01/2016 the account Was Unblocked. Notification of this action Was provided via US Mail to the consumer at that time.If the consumer has any additional supporting documentation regarding the disputed information, he may forward it directly to my attention for review.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their dispute. The statement will appear with the item as long as the item remains on the credit report.Any further concerns regarding the disputed information may need to be directed to [redacted] at [redacted]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]March 16, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID# [redacted]REF# [redacted]Dear Revdex.com.Our office recently received your correspondence of March 8, 2016 regarding the above mentioned consumer's Experian credit report.As outlined in our letter dated 03/16/2016 in response to Complaint ID #[redacted] (REF# [redacted]), based upon a request from [redacted] following their thorough investigation, account # #[redacted] was unblocked. If the consumer has any additional supporting documentation regarding this account, he may forward it directly to my attention for review. Any further concerns regarding this disputed information may need to be directed to [redacted] at [redacted].Our records indicate that we have not previously received notification from the consumer that [redacted]. account #[redacted] was a result of identity theft. We are in the process of blocking this account from his Experian credit report.Our records indicate that [redacted] account #[redacted] does not appear on the consumer's current Experian credit report.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]??; [redacted]

:::::: ExperianFebruary 8, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint # [redacted]Ref # [redacted]Dear Beetter Business Bureau:Our office recently received your correspondence dated January 28,...

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.|f| may be of further assistance, please contact me directly.[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]Sincerely,

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.
Once I get the results, I will let you know if I approve or reject. 
Regards,
[redacted]

May 25, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE. [redacted] Complaint # [redacted]Ref # [redacted]Dear Revdex.com.Our office recently received your correspondence dated May 17, 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,

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]

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 sent several letters to the credit bureaus requesting validation on accounts and I have not been provided documentation. I am specifically requesting proof of two accounts and how they are validated. The First being a Credit Card Account with [redacted] I asked for Proof of Validation of this account. Documentation with my original signatures and evidence to which they have to support the amount that is owed. The Second Account is: [redacted] I do not have a account with [redacted]. This account is currently and inaccurately reporting as derogatory. I have requested several times documentation that [redacted] has obliged to the legal repossession requirements. Documentation of balance owed after sale. Documentation of rights to reclaim vehicle and/or personal property. Additionally, they can not report on the same account with a different assumed name.I would like the accounts to be permanently removed from my credit report. Experian has failed to provide accuracy on the accounts or even a written response to my request beyond 90 days.
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.
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]

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

June 24, 2016Bettes Business Bureau 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 June 16, 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 Consumes the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [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

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]

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.
Under the FCRA, Credit Reporting Agencies (Credit Bureaus) must provide a copy of theverifiable original creditor documentation if it is requested properly by you the consumer. Sincethey cannot provide proof of verification to you in the form of a physical contract document peryour written request to do so – the account is classified as “UNVERIFIED” and under the FCRA – allUNVERIFIED accounts MUST BE DELETED. Whether the account is correct or not – makes nodifference. If the CRA cannot provide you physical verification of the account – it is an UNVERIFIEDaccount and MUST BE DELETED.
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.
The response as I read it only details an investigatory process and lends no conclusion. I have no problem with their process, but still dispute the validity of the creditor's mark on my credit report. Furthermore, I never received anything from experian, et al., suggesting I needed to respond. Please accept this response now as this is the first time I knew I needed one. [redacted]

Dear Revdex.com:Our office recently received your correspondence of July 18, 2017 regarding the above mentioned consumer's rebuttal of our response to their complaint.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.According to the Fair CreditReporting Act (FCRA), a national consumer Credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute. In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer Credit reporting agency must offer to include a consumer statement on the personal Credit report.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

November 8, 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 October 31, 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]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF: [redacted]Dear Revdex.com:Our office recently received your correspondence of March 1, 2017 regarding the above mentioned...

consumer's personal credit report.We are currently investigating the [redacted] Services and Transfinancial 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 additional disputed information does not appear on the consumer's Current 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 or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send the consumer the resultS.In addition to the consumer's right to dispute information in the credit file with the Credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available). According to the Fair CreditReporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute.In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer Credit reporting agency must offer to include a consumer statement on the personal Credit report.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely, [redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]

August 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 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]