Experian

June 17, 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 June 10, 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]

The company who is working on my behalf with my full permission:  
[redacted] [redacted] 
[redacted] ** [redacted]

April 4, 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 28, 2016 regarding the above...

mentioned consumer's complaint.We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must 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.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 at [redacted] if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]?? . [redacted]

Yes there is a third party working on my credit. [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 15, 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

April 7, 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 30, 2016 regarding the above...

mentioned consumer's personal credit report.An Extended Security Alert has been added to the consumer's credit report. This message, which will expire after 7 years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.Additionally, a Security Freeze has been placed on the consumer's Experian credit report.We are in the process of providing the consumer with their current Experian 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 at [redacted] if you have additional questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Dear Revdex.com:Our office recently received your correspondence of August 2, 2017, regarding the above mentioned consumer's complaint.Using the identification information you provided, we are unable to locate a credit record for the above-mentioned consumer. The consumer either has no...

credit history or additional identification information is needed in Order to access the Credit information. Please forward the Consumer's specific disputes along with the consumer's complete identification information (Social Security number, full name, Current address, previous addresses in the last two years and date of birth).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.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]

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.Experian continues to report inaccurate information on my [redacted] account [redacted]. 1. This is a charged of account from 7/08 it should no longer be being reported. 2. I requested you verify the information, and Experian has failed to investigate properly within the 30 time period. 3. The account was sold to another lender, there should be a $0 balance once account has been sold to another lender. 4. Experian is the only cra that is reporting this invalid account. Account has been removed from ** and **. Experian needs to remove account from my report immediately or I will seek legal action. You can not continue to report an account that is past the statute of limitations to be reporting.Remove [redacted] account [redacted] from my credit report immediately. Stop allowing inaqurate information to remain on my report.8/27/2015 [redacted] SSN: [redacted] File # [redacted] Dear Sir or Madam: I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction(s) that I have made. It is the result of identity theft. [redacted] Account [redacted] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following: • A copy of my credit report I received from your company. The fraudulent items are circled. • A copy of my Identity Theft Report and proof of my identity. • A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher(s) of that information. I appreciate your prompt attention to this matter, and await your reply. REMOVE or BLOCK account from my credit report IMMEDIATELYSincerely,
[redacted]

Dear Revdex.com:Our office recently received your correspondence of July 19, 2017 regarding the above mentioned consumer's personal credit report.Using the identity information provided, our records indicate that we did not receive correspondence from this consumer in April 2017.By...

federal law, the personal Credit report must list all organizations that have requested your credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example, organizations that have granted you Creditor with whom you have applied for Credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your Credit report. Requests for your Credit history remain on the personal credit report for at least two 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 inquiries display on your Credit report when it is accessed by others with a permissible purpose. These inquiries may affect your Credit score. Other inquiries for your Credit information are considered "soft" inquiries and do not affect your credit score. Some examples are: your current Creditors to monitor your accounts, other Creditors who want to offer you preapproved credit, an employer who wishes to extend an offer of employment, a potential investor assessing the risk of a Current Credit obligation, an end user to complete your mortgage loan application, and insurance underwriting (auto or home). These inquiries appear under the heading "Inquiries shared only with you" on your personal Credit report and are not seen by anyone but you (except insurance Companies may be able to see other insurance company inquiries).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] Experian Consumer Affairs Senior Regulatory Affairs Associate

I, [redacted], gave [redacted] the consent to follow up on this complaint for me. [redacted]
[redacted] [redacted]
[redacted]
[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. i have sent via postal main a letter from overstock stating to delete off my credit report and it sill has not been removed
Regards,
[redacted]

Our office recently received your correspondence of regarding the above-mentioned consumer's personal credit report.We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we...

must 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 inerror". 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.In accordance with the Fair Credit Reporting Act (FCRA), a consumer credit reporting company shall require, as a condition of making a disclosure, that the consumer furnish proper identification.All national consumer credit reporting agencies provide names and addresses to companies that send offers of credit or insurance for which consumers may qualify. To have their name removed from the prescreened lists of the national consumer credit reporting agencies, the consumer may call 1 888 5OPTOUT (1 888 567 8688). Consumers who have previously exercised their right to opt-outmay have their names re-added to prescreen lists upon request by calling 1 888 5OPTOUT (1 888 567 8688) and selecting the option for opting in.Some marketers and individual reference services share names and addresses with companies that send catalogs or other mailings that may interest consumers or help others locate consumers.If the consumer would like to remove their name from future lists, they may send their full name and address to:Direct Marketing AssociationMail Preference Service PO Box 643, Carmel, NY 10512Experian 949 W. Bond, Lincoln, NE 68521Attn: Consumer Services DepartmentIf a consumer believes that they are a victim of fraud, they may want to contact their local law enforcement agency to make an identity theft report. The identity theft report should include as many of the following elements as possible: specific dates such as when the loss or theft of personal information occurred or when the fraud(s) occurred; how the consumer discovered or learned of the theft; any known information about the perpetrator; the names of creditors and account numbers involved in the theft; name and/or badge number of the law enforcement personnel who processed the report; the filing date and case number. The consumer may find the following suggestions helpful:Protect Yourself First, make sure an Initial Security Alert or Extended Fraud Victim Alert is on file with all nationwide consumer credit reporting agencies. If the consumer requests an alert with us, we will share their request with the other nationwide consumer credit reporting agencies, [redacted] and [redacted].Inform the Sources Contact each source of information, including creditors and public record offices, and inform them that the account is fraudulent.Document all Contacts Make notes of everyone they spoke with; ask for names, department names, phone extensions; record the date they spoke to them.Understand the Process Each creditor may have a different process for handling a fraud claim. The consumer should make sure they understand exactly what is expected from them, and then ask what they can expect from the creditor. At the conclusion of a dispute, ask the creditor for a document that states they are not responsible for the debt.Follow Up Make sure everything the creditor or credit reporting agency has requested is received. It is always a good idea to place a follow up call or send a letter for confirmation.Review Reports Regularly We suggest that the consumer routinely request new copies of their personal credit report to review.Don't Throw Away Files Keep all notes and correspondence in an accessible file in case they are needed in the future.Thank you for allowing me to assist you. Please contact me directly if you have any questions.

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

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 May 8, 2017 regarding the above mentioned consumer's rebuttal of our response to their complaint.We apologize for any inconvenience Mr. [redacted] experienced in his previous telephone contact with Experian. Appropriate actions are being taken to ensure that any customer service issues are addressed. In the future, he may contact me directly at the number listed below and I will assist him in any way that I can.The date of birth appearing on the personal credit report is used to verify the accuracy of the information you provided to a potential credit grantor, employer, etc.According to our records, we received Mr. [redacted] uploaded documentation on April 24, 2017. At that time, Mr. [redacted] did not indicate that he was sending the documentation to correct the date of birth appearing on his credit report. On May 3, 2017, Mr. [redacted] contacted us by phoneto dispute his date of birth. We were able to correct the information using the proof that he uploaded.At this time, Mr. [redacted] date of birth is appearing on his Credit report Correctly according to the proof he provided.Please note, the date of birth appearing on the personal credit report is used to verify the accuracy of the information Mr. [redacted] provided to a potential credit grantor, employer, etc.The Fair CreditReporting Act (the "FCRA) requires credit reporting agencies like Experian to use reasonable procedures to ensure the maximum possible accuracy of the information it reports. This requirement does not impose a duty on Experian to investigate information reported to it by credit grantors before disclosing that information on consumer reports. Rather, this requirement obligates Experian to use reasonable procedures to accurately portray the information that is conveyed to it. Congress understood that credit reporting agencies would not always be given accurate information, and therefore established procedures for consumers to dispute information in their reports. The FCRAthen requires Credit reporting agencies, upon receipt of a consumer's dispute, to investigate for the first time the accuracy of the item it has reported. If a credit reporting agency accurately reports the information it is given, and then completes its investigation of a consumer's dispute in a reasonable amount of time, the credit reporting agency has complied with its requirements under the FCRA and is free from liability.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]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.
1.  I did contact [redacted] by mail a month and a half ago.  There was no response.2.  I already have a recent copy of my credit report, so I that's a non-issue.  
Regards,
[redacted]

::::: ExperianDecember 14, 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 December 4, 2015...

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] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

The third party that is helping me with this complaint against experian is [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 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 the [redacted] account does not appear on the consumer's current Experian credit report.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 reportExperian 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 214. 726[redacted]

January 18, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] N. [redacted]omplaint ID #[redacted]Ref: [redacted]Dear Revdex.com:Today our office received your Correspondence of January 9, 2017, regarding...

the above mentioned consumer's complaint.Our records indicate that we have previously investigated [redacted] ON 12127116 & 1113/16. The information was verified as accurately reported at the bankruptcy court by our public [redacted]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.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 US Bankruptcy Court located at Atlanta, GA.If the Consumer has any additional supporting documentation regarding the disputed information, they may forward that 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 MCE/Experian Consumer Affairs 214. 726 [redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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]