Experian

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 my second complaint with Experian. I received the previous letter from them that was not helpful and did not address my concerns. Every time I go to dispute items on my credit report it gives me this message " You have previously disputed this item. Pursuant to Section 611(a)(3)(A) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute." Equifax and Transunion do not ever give me any issues like this. Experian is trying to prevent me from having negative info removed from my credit report and that's not right! TO my knowledge I am allowed to dispute any info on my credit reports as wellas wrongfully placed inquires. The previous letter says that I have to dispute them on my own. No I don't that's experians job! They just don't want to pay for the stamps to send dispute letters to the creditors. I want All 12 negative items on my account disputed and removed within 30 days. I have wrote letters to both the creditors and Experian and have not received any communication within the required 30 days. With that those items should have been removed. I also want Experian to dispute each inquiry on my credit report and provide me proof that I made those inquiries.
Regards,
[redacted]

January 29, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]. [redacted]REF #: [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of January 20, 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.The extended Fraud Victim alert may include up to two phone numbers. In order to add or change thephone number on the victim alert appearing on the personal credit report, we will need a copy of agovernment issued identification card, such as a driver's license, state ID card, etc. displaying yourcurrent address, and one copy of a current utility bill, bank or insurance statement. Please maildirectly to my attention to Experian, [redacted]Our records indicate that we mailed the bankruptcy Case Filing documentation and the bankruptcyCase Summary documentation to Mr. [redacted] on May 22, 2014. Receipt of the documentation wasconfirmed by Mr. [redacted] in a telephone conversation on June 20, 2014.Additionally, our records indicate that Mr. [redacted] provided proof of his mailing address, [redacted] TX 77061 in correspondence that we received from him on March 26, 2013. For this reasonwe must respectfully decline his request to remove the address from his credit report.If Mr. [redacted] would like to send legal service to Experian, he should do so through our Registered Agent.Experian's Registered Agent's name and address is on file with the Secretary of State in the state inwhich he will be filing civil suit.Mr. [redacted] has been provided with the narne and complete contact information for the Manager ofConsumer Affairs Special Services on several occasions. He may contact me directly at [redacted]
[redacted] and I will provide him with that information again.We have mailed a current credit report directly to Mr. [redacted] for review. If there is additional 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, Mr. [redacted] should alsoindicate what the correct information should be. Please specify the item or account name andnurnber.Please provide Mr. [redacted]'s specific disputes along with his complete identification information (SocialSecurity number, full name, current address, previous addresses in the last two years and date ofbirth). 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 if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

July 26, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]Dear Revdex.com.Our office recently received your correspondence of July 18, 2016 regarding the...

above mentioned consumer's personal credit report.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 of 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]

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 lived at my current address for the 5 years and in my last dispute to Experian I provided them with a copy of my drivers license and social security card.
My report number is [redacted] The accounts in question have always been in dispute because they don't belong to me. The last 4 of my social security number is [redacted]. I will resend all of the information requested, this site advises not to include such information.
[redacted]

November 24, 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 November 17, 2014 regarding the above
mentioned consumer's rebuttal of our response to his complaint.
We are currently investigating the address information and the [redacted] accounts with which the
consumer disagrees. Upon completion of this process, we will provide the results of our investigation
directly to the consumer.
When a medical bill is seriously past due, the provider may use an internal collection department, hire
an attorney or contract with a collection agency to collect the payments, and this information may be
reported to us since it is a financial obligation. Once the payments have been collected, the account
will display as "paid/collection" and may remain on the report for seven years. Because we cannot
display certain medical information relating to physical, mental, or behavioral health or conditions by
law, the company name will display only as 'Medical payment data."
Although we do not generally collect this type of information, it may appear in the name of a data
furnisher, for example "Cancer Center." To prevent this, we mask the names of data furnishers that
provide us medical payment history when we provide your information to others. This requirement
does not extend to the payment history that the data furnisher provides us. Your payment history with
this creditor will be displayed in reports to others.
Our records indicate that the disputed [redacted] account 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

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

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

abovementioned consumer's Experian credit report.We are currently investigating the disputed information. Upon completion of this process, we willprovide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directlyby letter, telephone, or through an automated verification system. We ask the source to check theirrecords to verify all of the information regarding the item questioned, and report back to us within 30days of the date that we received the consumer's request. Once we receive their response, we sendthe consumer the results of the investigation. If we do not receive a response within 30 days weupdate 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 disputeprocess is to investigate the information to determine the accuracy and completeness of any disputeditem by contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's dispute. If the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit report. The FCRAdoes not require that the consumer reporting agency obtain documentation such as the actual signedsales slips, signature cards, contracts, etc.; nor does it require that consumer reporting agencies actas mediators or negotiators in account disputes. Please forward any documentation directly to thecreditor for review.Please refer to the original Experian personal credit report for the business name, address, and phonenumber (if available) of the source that verified the information.If I may be of further assistance, please contact me directly.Sincerely, [redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services[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. HOWEVER, CAN THE BUSINESS EXPERIAN PLEASE RESPOND BACK TO THE Revdex.com WITH THE EXACT DATE THAT MY EXPERIAN CREDIT REPORT WILL BE MAILED PLEASE I AM ASKING FOR A COMMON COURTESY RESPONDS THANK YOU [redacted]
Regards,
[redacted]

October 10, 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 7, 2014 regarding the above mentioned
consumer's personal credit report.
We are in the process of providing the current personal 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 our office if you have any questions.
Sincerely,
[redacted]
Senior Regulatory Affairs Associate

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.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]

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

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 yet to get valid documentation to show that the dispute was validated with a contract or with my signature. Upon speaking with Experian who continues to update incorrect information and I continue to send them over a copy of my ID and SS card they have failed to send back correct and validated copies of contracts with these creditors that have my signature. One person stated that they don't have to because they have to go by what is electronically sent over to the creditor. By law at my request they are supposed to provide any copies of the contract with my signatures on it and still have failed to do so. I also requested that they remove inquiries that do not have an account attached to it and they also have failed to do so. I don't have an updated copy of my credit report from Experian. I would like for accounts and inquires that can't be validated to be removed from my credit file.
Regards,
[redacted]

“ Yes there is a third party working on my credit”

Our office recently received your correspondence regarding the above-mentioned consumer's complaint.Our records indicate that the disputed [redacted] account 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.

[redacted]
[redacted]Dear Beter Busiress Bureau:Complaint ID # [redacted]Our office recently received your correspondence of Se*mber 18, 2017, regarding the above-mentioned consumers persorel credit reportWe are currently investigating the information with which ttE consurner disagrees. Upon...

convletion of this process, we will provide the results of our investigation directly to the consumer.When a consurrer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe tre inforrnation is inaccurate or incomplete, we process thedispute as required by law. We contact the fumisher of the inforrretion or the vendor that collectedthe 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 tre vendor to corduct a thorough and complete investigation to verify' all of the information regarding the disputed item, and report back within thetirne 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 processirg, we fird that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modifythat inforrnation, as appropriate, based upon the dispute and the results of our If we donot receive a response from the furnister or the vendor within required period, we update the itemas requested or delete the information, In some instances, upon reviewing credit file and any relevant information submitted to us, we are able to determine whether the disputed informationshould 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 consurner the results.In addition to the consurner's right to dispute inforrrztion 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.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review he accuracy and corn*teress of any disputed item which may include contacting the furnisher of the inforrnation 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 inforrnation and disclosing all relevant inforrnation regarding the consurners dispute. In order to help resolve the consuner's dispute, Experian will review all relevant documents submitted by theconsumer with the dispute and will forward such documents to furnisher if Experian is unable to resolve the issue based on those docurrents. Consumers may also contact creditors directly todispute items reported by the creditor. If he issue is not resolved, then the consumer credit reporting agency must offer to include a consumer staterænt on the personal credit report.If the consurner questions the results of the dispute then they may want to contact the furnisher of the information directly or review ttE original information in the public record. Please refer to the original personal credit report for the furnisher or public records office narre, address, and phone number (if available).By federal law, your personal credit report must list all that have requested your credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian thatthey have a permissible purpose may inquire about credt irformation For example, organizations that have granted you credit or with whom you have applied for credit or entities collecting on transactions that you initiated or on judgrnents rendered against you, are permitted to make inquiries on your credit report Requesb for ywr credit history remain on the personal credit report for at leasttwo years.Inquiries from credit grantors who request your credit information as part of your application for credit will display under the heading "Inquiries shared with others" on your personal credit report. These irpuiries display on your credit report when t is accessed by others witl a permissible purpose. These inquiries may affect your credit score.Other inquiries for your credit inforrnation are considered "soff inquiries and do not affect your credit score. Some examples are: your currert creditors to rmnitor your accounts; other creditors who wantto offer you preapproved credit; an employer who wishes to extend an offer of ernployment; apotential investor assessing the risk of a current credit Obligation; an end user to complete your mortgage loan application; and irmrance underwriting (auto or horne). These inquiries appear underthe heading "Inquiries shared only with you' on your personal credit report and are not seen byanyone you (except insurance companies may be able to see other insurance cornpany inquiries).Experian strives to achieve a high level of customer service for all the corsumers they assist. Let me assure you that Experian takes its commitnent to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.[redacted]
Senior Regulatory Affairs AssociateExperian Consumer Affairs[redacted]

RE: [redacted]Ref # [redacted]Dear Revdex.com:Our office recently received your correspondence dated October 6, 2015, 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.If I may be of further assistance, please contact me directly.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Yes, there is a third party working on my credit.[redacted]

See attached.Thank you for allowing me to assist you. Please our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs[redacted]

December 9, 2014Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of December 9, 2014 regarding the...

abovementioned consumer's personal [redacted] report.We have mailed the consumer their current Experian personal [redacted] report.Additionally, we are currently investigating the [redacted] account with which the consumerdisagrees. Upon completion of this process, we will provide the results of our investigation directly tothe consumer.Our records indicate that the additional disputed information does not appear on the consumer'scurrent Experian [redacted] report.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 [redacted] if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]3, 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]