Experian

Yes, it is ok for a Third Party to act on my behalf.

February 3, 2017Revdex.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 January 30, 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 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]MCE Experian Consumer Affairs Senior Regulatory Affairs Associate 214. 726 [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.Only after spending hours was my credit able to be frozen.  Experian waived the credit freeze for me , however most still need to pay them a minimum of $10 if they want to freeze their credit to protect themselves.  It seems that a consumer should never have to pay to freeze their credit from a company willing to divulge all of their personal info to anyone.  What happened to our right to privacy?
Regards,
[redacted]

Dear Revdex.com:Our office recently received your correspondence of July 25, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the disputed bankruptcy information with which the consumer disagrees. Upon completion of this process, we...

will provide the results of our investigation directly to the Consumer.Judgments, Tax Liens and Bankruptcies are a matter of public record. Although the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to Experian. Experian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record information. Experian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).When a consumer disputes the accuracy or completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the itemas 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 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, 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]

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]

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]

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 initiated this complaint on the 13 of September. The same day I received a report# [redacted] I find it very hard to believe that you were able to review my inaccuracies and still show the same information that is reporting inaccurate such as charge off's with balances and accounts with "ND," or no data for many months. How could those things been verified if under the FCRA you quote, that if you can not verify this which isn't verified then it must be deleted. You also have a fraud alert and a consumer comment that I did not initiate. I never contacted Experian nor did I ever send anything that would suggest that I wanted a fraud alert placed. Today on 27 of September entering the same report number quoted above it clearly shows that not all the items are in dispute and they are still showing all the inaccurate information that you are reporting. I ask that you either conduct a thorough investigation and show me how you came to those conclusions with solid proof or please delete this accounts as they are and have been unverifiable for many months of showing you the same pertinent information month after month. All the reports have been saved and highlighted to show month after month of the same errors that never get fixed. You guys send reports and say "updated," but the only thing you update is the month not the inaccuracies, totally against FCRA laws you are bound to. I have forwarded all correspondence to my legal counsel and are awaiting solid proof of such so that we may resolve this amicably or in the court of law. 
Regards,
[redacted]

August 8, 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 July 29, 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.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 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.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]

RE [redacted] Complaint ID # [redacted]REF [redacted]Dear Revdex.com:Our office recently received your correspondence of September 29, 2016 regarding the above mentioned Consumer's rebuttal of our response to her Complaint.We are presently 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.Our records indicate that we have not previously received written documentation regarding the disputed information. If the Consumer has additional information regarding the disputed accounts, please forward it directly to my attention for review.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,Michael Lonergan Senior Regulatory Affairs Associate

::::: ExperianNovember 16, 2015Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: [redacted] Complaint ID: [redacted] REF# [redacted]Dear Revdex.com.Thank you for submitting your complaint dated 10-23-2015, regarding the above...

mentioned consumer. We appreciate that your office took the time to let us know about their experience with our company.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.For additional assistance, the consumer may call me directly at 214-726-4081, or write to Experian at P.O Box 1240, Allen, TX 75013. 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]

October 22, 2014
Revdex.com
Serving San Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA 92123
RE [redacted]
REF# [redacted]
Complaint ID # [redacted]
Dear Revdex.com:
Our office recently received your correspondence of October 17, 2014...

regarding the above mentioned
consumer's personal credit report.
We are currently investigating the information with which the consumer disagrees. Upon completion
of this process, we will provide the results of our investigation directly to the consumer.
When a consumer disputes the accuracy or completeness of information on the personal credit report
and tells us specifically why they believe the information is inaccurate or incomplete, we process the
dispute as required by law. We contact the furnisher of the information or the vendor that collected the
information from a public record source such as a court or other government office either
electronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and complete
investigation to verify all of the information regarding the disputed item, and report back within the time
frame required by law. We review and consider the response to determine whether to accept it, reject
it, or follow up for additional information. If, after processing, we find that the disputed information is
inaccurate, incomplete or cannot be verified, we then delete that information, or modify that
information, as appropriate, based upon the dispute and the results of our processing. If we do not
receive a response from the furnisher or the vendor within the required period, we update the item as
requested or delete the information, In some instances, upon reviewing the credit file and any relevant
information submitted to us, we are able to determine whether the disputed information should be
changed or deleted without having to contact the furnisher or the vendor. Investigations can take as
long as 30 days to reach a conclusion. After we complete our processing, we send the consumer the
results.
In addition to the consumer's right to dispute information in the credit file with the credit reporting
agencies, the consumer also has the right to dispute information in the credit report directly with the
furnisher of the information.
If the consumer questions the results of the dispute process, then they may want to contact the
furnisher of the information directly or review the original information in the public record. Please refer
to the original personal credit report for the furnisher or public records office name, address, and
phone number (if available).
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me
assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you
for allowing me to assist you. Please contact our office if you have any questions.
Sincerely,
[redacted]
Senior Regulatory Affairs Associate

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]

November 20, 2014Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]Ref#:[redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of November 12, 2014 regarding the...

abovementioned consumer's complaint.Today I attempted telephone contact with Mr. [redacted] and left a detailed message with my contactinformation. If Mr. [redacted] continues to have concerns regarding his credit score or his request for arefund, he may call me directly at ###-###-#### and I will assist him in any way that I can.Experian strives to achieve a high level of customer service for all the consumers they assist. Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

San Diego, CA 92123[redacted]Dear Revdex.com:On April 17, 2017 office received your correspondence of April 3, 2017 regarding the above mentioned consumer's rebuttal of our response to her complaint.We are presently investigating the [redacted], [redacted] and [redacted] accounts with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.Our records do not indicate that that these accounts were previously deleted from the consumer's Experian credit report.If the consumer has additional information regarding the disputed information, please forward it directly to my attention for review.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]
[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]

May 29, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]REF#: [redacted]Case # [redacted]Dear Revdex.com:Our office recently received your correspondence of May 20, 2015 regarding the above mentionedconsumer's...

complaint.Our records indicate that we have not previously received this complaint from the Better BusinessBureau.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, military 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 if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

April 20, 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 April 13, 2016 regarding the above...

mentioned consumer's personal credit report.According to our records, the Date of Birth appears as stated on the consumer's current Experian credit report, as 1970. A copy of the current Experian credit report is being mailed directly to the Consumes 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]
[redacted]

October 13, 2014
Revdex.com
Serving San Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA 92123
RE: [redacted]...

[redacted]
Your Complaint ID: [redacted]
To Whom It May Concern:
Our office recently received your correspondence regarding Mr. [redacted]'s request for investigation.
In order to process Mr. [redacted]'s request, we will need all of her identification information. Pursuant
to the federal Fair Credit Reporting Act, Section 610, a consumer reporting agency shall require the
consumer to furnish proper identification. The proper identification to access an Experian credit
profile includes full name (including generation), social security number, date of birth and complete
addresses for the past 2 years.
Mr. [redacted]'s should mail us one copy of his government issued identification card, such as a
driver's license, state ID card, military ID card, etc., and one copy of her utility bill, bank or insurance
statement, etc. He should make sure that each copy is legible (enlarge if necessary), displays his
name and current mailing address, and the date of issue (statement dates must be recent). We are
unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or
postal service forwarding orders as proof.
Mr. [redacted]'s should forward the requested information to my specific attention at Experian, CASS,
[redacted]. Upon receipt of the requested information, I will begin an
investigation into her concerns.
Thank you for allowing me to assist you in this matter.
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.
[Provide details of why you are not satisfied with this resolution. Please respond in this space ONLY]
Experience will take 30 days to to get response from Ocwen, pls have them respond sooner within your time frame of 5 days pls
Regards,
[redacted]

RE Complaint ID # [redacted]REF# [redacted]Dear Revdex.com.Our office recently received your correspondence of October 15, 2015 regarding the above mentioned consumer's personal credit report.Experian is committed to the protection of each consumer's privacy. Therefore, we disclose the...

personal credit report only to the requesting consumer who is the subject of the information. We are in the process of providing the current personal credit report to the consumer for review.Thank you for allowing us to assist you in this matter.Sincerely,[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]