Experian

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

Thank you for your recent correspondence regarding the above-mentioned consumer. Our 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 the accuracy or completeness of information is disputed on a personal credit report, we process the dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within 30 days of the date that we received your request. 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 your client's dispute and the results of our processing. If wedo not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, and send the results to the consumer.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.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 todispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.If the consumer disagrees with the results of the 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. .Thank you for allowing me to assist you. Please contact our office if you have any questions.

January 27, 2017Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]
[redacted]
On January 25, 2017 our office received your correspondence of January 13, 2017 regarding the above mentioned consumer's rebuttal of our response to her complaint.We have mailed a current credit report directly to the consumer for review. If the consumer has additional information regarding disputed information, please provide it. Please specify the item or account name and number along with the consumer's specific disputes and the additional information. Please provide 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.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 the dispute as required by law. We Contact the furnisher of the information or the vendor that Collected the information from a public record source such as a Court or other government office. We ask the furnisher or the vendor to verify all of the information regarding the item disputed, and report back within 30 days of the date that we received the request (21 days for Maine residents and 45 days for disputes of information on an annual free Credit report). 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 your 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, and send the Consumer the results. In some instances, upon reviewing the Credit file and any relevant information the Consumer may have 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 their 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 our dispute process, then they may want to contact the furnisher of 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 furnisher of the information or the vendor that collected the information from a public record source, such as a Court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute. In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]
[redacted]

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

May 12, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID Number: [redacted]REF# [redacted]Dear Revdex.comOur office recently received your correspondence of May 3, 2014 regarding the above mentioned consumer's rebuttal of our response to his complaint.Research indicates that we received the consumer's identity theft affidavit on April 14, 2016. Unfortunately we were not able to locate the section titled “Your Law Enforcement Report". Without the entire identity theft affidavit, including that section completed in its entirety, we are not able to block the disputed information. However, we were able to dispute the accounts with which the consumer disagrees and included copies of his correspondence, including the identity theft affidavit, to the Creditors for review.Per the Fair Credit Reporting Act (FCRA) section 605B (a): A consumer reporting agency shall block the reporting of any information that resulted from an alleged identity theft not later than 4 business days after date of receipt by such agency of— (1) appropriate proof of identity of consumer; (2) a copy of an identity theft report; (3) the identity of such information by the consumer, and (4) a statement by the consumer that the information is not information relating to any transaction by the consumer.The FCRA defines an identity heft report in Section 603 (q) (4): The term identity theft report means, at a minimum, a report (A) that alleges an identity theft; (B) that is a copy of an official, valid report filed by a consumer with an appropriate federal, state or local law enforcement agency, including the United States Postal Service or other such government agency deemed appropriate by the Commission, and (C) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false.If the consumer has additional information regarding the disputed accounts, for example an identity theft report as outlined above or a complete identity theft affidavit, please forward it to us 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 Consumer Affairs Special Services [redacted]

I, [redacted], gave [redacted] the consent to follow up on this complaint for me. [redacted]
[redacted] [redacted]
[redacted]
[redacted]
[redacted]

SEE ATTACHED.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 directly if you have any...

questions.Sincerely,[redacted]Senior Regulatory Affairs Associate Experian Consurner Affairs[redacted]

June 19, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]Ref#: [redacted]Complaint#: [redacted]Dear Revdex.com:Our office...

recently received your correspondence dated June 10, 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 your client.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 Associate

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

::::: ExperianNovember 30, 2015Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID #[redacted]REF # [redacted]Dear Revdex.com.Our office recently received your correspondence of November 18, 2015...

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.In order to remove a fraud alert from the consumer's Experian credit report, we need the request in writing along with the consumer's complete ID information, one copy of a government issued identification card, such as a driver's license state or military ID card, etc. and one copy of a recent utility bill, bank or insurance statement, etc. Please forward the request directly to my attention, once received we will promptly comply with her request.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 214-726-4159 if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Our office recently received your correspondence of October 1 6, 2017, regarding the above-mentioned consumer's complaint.Today I attempted telephone contact with the consumer ard left a detailed message with my contact information. We apologize for any confusion ttE security freeze notification...

letter the consumerreceived n•ey have caused. If the consumer continues to have questions or concerns regarding their Experian credit report and/or security freeze they may call me directly at 214726-[redacted] and I will assist them in any way that I can.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 youfor allowing me to assist you. Please contact me direcdy if you have any questions. Sincerely,[redacted]Senior Regulatory AffairsExperian Consurner Affairs
[redacted]

There is no 3rd party. My complaint is directly with Experian for failing to contact the original complainant [redacted]
[redacted] Date Filed09/03/2008TypeSmall claims judgmentReference[redacted]Plaintiff[redacted] is the original complainant behind this and she now resides in...

CHINA. The credit agency is only contacting [redacted] COURT  and not actually the complainant. She is no longer a U.S. citizen and I have verified this information. Experian needs to make direct contact with the original complainant to accurately report in order to continue reporting this as accurate. She did not update the courts before moving out of the country shortly after this [redacted]
[redacted]
[redacted]
[redacted]

March 24, 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 17, 2016 regarding the...

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

January 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]

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]

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

October 8, 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 2, 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

June 29, 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 June 21, 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]

[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]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # 12037418 REF: [redacted]Dear Revdex.com:Our office recently received your correspondence of March 14, 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] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ??