Experian

May 26, 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 May 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 Associate

Experian strives to achieve a high level of customer service for all the consumers they assist. Let 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]...

[redacted], [redacted]Senior Regulatory Affairs AssociateExperian 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.This is a standard reply that I normally get when I dispute American Financial on my credit report with Experian.  They always are 'currently investigating the disputed information with which the consumer disputes...' then they will come back as 'verified'. I then ask them to show me how they verified this information and they say they don't have to provide that info. Funny thing is that I contacted American Financial on June 26th CMRR, and received no response. That's almost 90 days ago.  I also think there are a few violations here. If this account isn't removed promptly, I will have to file suit.
Regards,
[redacted]

July 6, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Better Business...

Bureau:Our office recently received your correspondence of June 25, 2015 regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by law. We contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by law. We review and consider the response to determine whether to accept it, rejectit, or follow up for additional information. If, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processing. If we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendor. Investigations can take aslong as 30 days to reach a conclusion. After we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public record. Please referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist. Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

This complaint was filed by myself [redacted].

Dear Revdex.com:Our office recently received your correspondence regarding the above-mentioned consumer's rebuttal of our response to their complaint.Our records indicate that investigations of the dispute information were completed on multiple occasions. In each instance, the creditors responded that the accounts were accurately reported. The results of each investigation were provided directly to the consumer.If the consumer has any additional supporting documentation regarding the disputed information, theymay forward it directly to me for review.Thank you for allowing me to assist you. Please contact me directly if you have any questions.

September 21, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID #[redacted]REFE [redacted]Dear Revdex.com.Our office recently received your correspondence of September 14, 2016 regarding the above mentioned Consumer's rebuttal of our response to his Complaint.Our records indicate that we previously initiated investigations of the disputed [redacted] account on [redacted].On 09/15/2016 the creditor responded and verified the accuracy of the information. Results of the investigation were provided directly to the Consumer for review. Because the Creditor Confirmed the accuracy of the disputed information, we must respectfully decline the consumer's request to remove the account from the Experian 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 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 will need to be directed to the sources of the information. The consumer may refer to their original personal credit report for the furnisher's address and phone number (if available).If the Consumer has additional supporting documentation regarding the disputed information, he 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]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

June 24, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Better Business...

Bureau:Our office recently received your correspondence of June 16, 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

Our office recently received your correspondence regarding the above mentioned consumer's personal credit profile.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, wemust have a specific dispute. Examples of specific disputes are as follows: "not...

mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error". If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth). Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Thank you for allowing me to assist you. Please contact our office if you have any questions.

Dear Revdex.com:Our office recently received your Correspondence of August 18, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the disputed information with which the consumer disagrees. Upon completion of this process, we will provide...

the results of our investigation directly to the consumer.Judgments, Tax Liens and Bankruptcies are a matter of public record. Although the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the Court's public records and supply that information to Experian. Experian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record information. Experian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).When a consumer disputes the accuracy or completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by law. We contactfurnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either  We review and consider the responsedetermine 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 Out processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the Consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal Credit report for the furnisher or public records office name, address, and phone number (if available).  Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its Commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please Contact our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Hello,I just had a complaint closed 2 days ago due to my failure to respond in a timely manner. I would like to respectfully ask if you can re-open this case, because I only now had an opportunity to review Experian’s response dated 12/5/16.  I would like to state that I strongly disagree with Experian’s response, because their rebuttal is nothing more than an attempt to make me look like I am the one who failed to properly communicate my dispute. In fact, their response is typical and is only another of the many redundant almost automated responses that I have received by Experian every time that I contact them.  The fact is that not only did I state which accounts I was disputing in my communication of November 3rd, but I also provided the name of each creditor, the account number and the reason why I was disputing them. Furthermore, I also provided documentation corroborating the fact that I was a victim of identity theft in order in order to further substantiate the basis of my dispute. Finally, aside from providing them my social security number to identify myself I also provided them a copy of my state issued DL, which is a notarized government issued ID. Therefore, based on these facts I demand that Experian processes my original dispute at once. After my identity was stolen I have dealt with all three of the major credit bureaus to the point where I simply give up and leave this matter alone for many months at a time out of frustration due to their lack of cooperation. However, Experian is by far the least accessible by any means, the most difficult one to communicate with and the one that is almost impossible to persuade to get them to do anything. Regards,  [redacted]

Dear Revdex.com:Complaint ID # [redacted]Our office recently received your correspondence of October 3, 2017 regardirg the above-mentioned consurner's rebuttal of our response to their complaint.In the complaint, the consumer states "l have included documentation from [redacted]". I was not able to locate this documentation.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.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]

The Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200 San Diego, CA 92123-1688[redacted]
[redacted]Our office recently received your Correspondence regarding the above mentioned Consumer's...

personal credit report.ACCOrding to our records, the disputed [redacted] account appears as stated on the Consumer's Current Experian Credit report, as never being late.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 duestions.Sincerely,[redacted]
[redacted]

March 13, 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 5, 2015 regarding the above...

mentionedconsumer's complaint.An Extended Security Alert has been added to the consumer's credit report. This message, which willexpire after 7 years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.We have mailed a current credit report directly to the consumer for review. If there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdispute. Examples of specific disputes are as follows: "not mine, paid in full, never delinquent orincluded in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed inerror". If the status dates, amounts, balances or other specific data is incorrect, the consumer shouldalso indicate what the correct information should be. Please specify the item or account name andnumber.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

November 22, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]Dear Revdex.com.Our office received your correspondence of November 9, 2016 on November 22, 2016 regarding the above mentioned Consumer's 3rd rebuttal of our response to her complaint.The Consumer states "here are 3 pieces of mail with my address". Although the provided documentation does include the Consumer's address, we are notable to determine if the documents are indeed a recent utility bill, bank statement or insurance statement. Additionally the consumer did not include a copy of a government issued identification card such as a driver's license, state ID card or military ID card.Please send us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one Copy of a utility bill, bank statement or insurance statement, etC. Make Sure that each Copy is legible (enlarge if necessary), displays the Consumer's name and current mailing address, and the date Of Issue (Statement date:S must be recent). We are unable to accept Credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.The consumer can forward this information directly to my attention at Experian Consumer Affairs, P.O. Box 1240, Allen, TX 75013.Thank you for allowing me to assist you. Please Contact me directly at [redacted] if you have any questions.Sincerely,[redacted]

I [redacted]  give,  [redacted] 
[redacted]Consent to proceed with the complaint

Dear Revdex.com:Our office recently received your correspondence of July 24, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon Completion of this Orocess we will Orovide the results...

of Our investiolation directlv to the ConsimerOur records indicate that we have contacted the data furnisher to verify the accuracy of the information with which the consumer disagrees. The disputed information was verified as accurately reported and confirmation was mailed to the above mentioned Consumer for review.When a consumer disputes the accuracy or completeness of information on their personal Credit report and tellus specifically why they believe the information is inaccurate or incomplete, we process their dispute as required by law. We Contact the furnisher of the data to verify the accuracy of the disputed information.If the consumer disagrees with the results of the reinvestigation. it is the Consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their dispute. The statement will appear with the item as long as the item remains on the credit report. Any further concerns regarding the disputed information may need to be directed to the creditors reporting this information. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available). If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review.Experian strives to achieve a high level of Customer service for all the Consumers they assist. Let me assure yol that Fynerian takes its rommitment to affirient Avraritious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,Experian Consumer Affairs 214726 [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.
[Provide details of why you are not satisfied with this resolution. This is the most generic response I have ever seen in my life and shows that experian has no interest in reporting or correcting incorrect information. They literally said we use a 3rd party vendor to confirm information that is sealed? How do I know this because I called the court to try to get the information and they said it was and would not release it to me because it is not my bankruptcy. I have tried for almost 7 years to clear this mess that my ex-wife caused. We were married at the time and she filed bankruptcy and because I was married it listed my name. That is why it was dismissed because she filed it wrongly. She destroyed my credit and I am struggling to fix this and this wrong information is defaming me greatly. Places that do an automatic check Will deny me credit because it shows two bankruptcy. When I only have one chapter 7 in 2013. I love the way they say the law allows them to verify information with any so called third party vendor regardless if it's correct but they skip over the part that talks about posting dismissed bankruptcy. Why because the law doesn't address dismissed bankruptcy cases. Only discharged ones. You would think experian would do the right thing for not only correctness but also for good customer service. An everyday person is powerless to fix incorrect information when a company relies on false data to report and then says oh well we verified it with a vendor? Not the court! Not the creditor! But some hack company that is making money ruining people's lives. Why won't this company do the right thing. This false information has been on my credit for 6 years already....  
Regards,
[redacted]

:::::: ExperianJanuary 28, 2016Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave., #200 San Diego, CA 92123RE: [redacted] Complaint ID #[redacted]REF# [redacted]Dear Eetter Business Eureau.Our office recently received your correspondence of January 26, 2016...

regarding the above mentioned consumer's complaint.We are currently investigating the [redacted] 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 of 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 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 source of the disputed information and informing them of 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.[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services 214 726 [redacted]C? . [redacted]