Experian

San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF #: [redacted]Dear Revdex.com:Our office recently received your rebuttal of April 20, 2017 regarding the above mentioned consumer's complaint.Please understand that not every consumer is guaranteed online access to their...

credit report; that is why we also offer the option of writing in or calling into request your Credit report or request investigations.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.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]

Dear Revdex.com:Today our office received your correspondence of October 26, 2017, regarding the above-mentioned consumer's rebuttal of our response to their complaint.Today contacted the consumer directly by telephone and I was able to answer her questions regarding Midland Funding account information on her Experian credit report.if the consumer has additional questions or concerns regarding her credit report, she may contact me directly at [redacted] and I will assist her in any way that I can.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]
[redacted]

Dear Revdex.com:Thank you for your recent correspondence dated August 14, 2017, regarding the above mentioned consumer. Our records indicate that we previously conducted an investigation regarding the disputed information and have provided the results of our investigation directly to the...

consumer on April 3, 2017 and December 9, 2016.Each national consumer Credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing information. Therefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency.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 data furnisher reporting this information. If you have any additional supporting documentation regarding the disputed information, please forward that to my attention for review.According to the Fair CreditReporting 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 data furnisher. 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 our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate; : Experian Consumer Affairs

Yes I have authorized [redacted] to file this complaint on my behalf.[redacted]

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]...

[redacted]Senior Regulatory Affairs Associate Experian Consurner Affairs[redacted]

May 13, 2015To: Revdex.com - [redacted]From: [redacted] Regarding: ID [redacted]In response to your email, yes I am working with a third party. The company's name is [redacted] Please accept this email as an official response to your inquiry. Thank you.

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 contacted Experian and they opened a dispute on 01/10/18 and on 01/13/2018 they found that the account mentioned is accurate. I submitted the letter from the courthouse saying they DO NOT REPORT to the credit bureaus. Experian is reporting that SPRNGFLD CRT is showing a bankruptcy. How is that possible if the courts DO NOT REPORT?? Experian by LAW is required to report ACCURATE information in which this case EXPERIAN is NOT Delete/Remove this inaccurate information.
Regards,
[redacted]

I [redacted]                   Give [redacted] permission to handle my complaint.

HelloI am writing this email to confirm in writing to allow CRE credit services Plano, TX 75074 as a third party in this complaint and act on my behalf.If you need anything further please let me know.Sincerely.[redacted]

Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: [redacted] Your Complaint ID: [redacted] Ref #: [redacted]Dear Revdex.com.Our office recently received your correspondence regarding the above mentioned consumer's personal credit reportIn order to remove a fraud alert from the above mentioned consumer's Experian credit report, we need the request in writing along with the information listed below. The consumer may send the requested information to Experian, P.O. Box 1240, Allen, TX, 75013.• One copy of a government issued identification card, such as a driver's license state or military ID card, etc.• One copy of a utility bill, bank or insurance statement, etc.The consumer should also include the following identification information.• Their full name including middle initial (and generation - JR, SR, II, III)• Social Security number• Date of birth• Complete addresses for the past two yearsThey should make sure that each copy is legible and displays their name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.To protect the consumer's personal identification information, Experian does not return correspondence sent to us. They should send copies of any documents they wish to provide to us and always retain their original documents.Please note that I reached out to [redacted] by telephone and left a detailed message regarding instructions on how to remove the seven year alert with my contact information and with my fax number.If the above mentioned consumer wishes to remove a fraud alert from their Equifax or Trans Union credit reports, they will need to contact them directly.Sincerely,
[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services214 726 4081?? [redacted]901 Holly St. Bullhead City, AZ 86442

To whom it may concern, 
 
I [redacted] of [redacted] Pa, 17110 social security number [redacted].  Authorize a (3rd party), [redacted]
[redacted] 
[redacted]4

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 filed several dispute with Experian (report ID 1906-0931-54) and has refused to delete the fraud account from [redacted] # [redacted] from my credit report . I am a victim of Identity Theft. Experian refuses to remove questionable account, by stating that company verified them as mine. But the only verification proof that they were supplied is the fact that the identity information that has been used my social security number. Experian has no other documentation and refuses to remove these fraudulent account, even though the other credit bureaus have notified them of the fraud account. I have asked the company to supply me with verification documentation and they cannot, and I have asked Experian to supply me with verification documentation and they refused to comply. I also have multiple inquiries on my credit report which are not associated with any account nor do I have an account with them. I have contacted Experian and was expressed to contact the companies to remove them. I contacted the companies which stated that have no account for me and cant help me because... I am not in their system. This is an error which must be rectified. I have a fraud alert on my account which has been violated. I need the inquiries removed immediately and an updated copy of my credit report or signed authorization showing I authorized these companies below to access my credit file. The inquiries are as following: [redacted] 05/08/2015 I just want Experian to remove the Fraudulent Account & inquires, so I can begin recovering from the financial stress of identity theft.Remove fraud account and inquiries immediately and an updated copy of my credit report sent to me or signed authorization showing I authorized these companies to access my credit file and open credit account
Regards,
[redacted]

April 1, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE. [redacted] Complaint # 1[redacted]Our office recently received your correspondence dated March 24, 2016, 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.|f| may be of further assistance, please contact me directly.[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]Sincerely,

Yes there is a third party company working on my behalf

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.Billing or Collection IssuesThere are several things on my credit report that are inaccurate. [redacted] is double billing us and this is needing to be removed right away. Legal item has been disputed and documents have been sent in to prove this should be removed. There are multiple inquiries that are not authorized that need to be removed. All except ** [redacted] are not mine. There is one from check n go which is not mine either. I have been a victim of identity theft 3x in a year and these keep popping up and I am not the one whom authorized any of these. I need these removed immediatley. I am in process of buying a house and this is hurting my opportunity to be a home owner. If these are not removed I will need to take further action, against your company and the creditor themselves which I have already tried to explain that these are not mine and get them to remove them.Correction to a credit reportI would like my credit report corrected with the removal of [redacted] ** and all the inquiries and the legal item that is on my report. These are not mine and it is hurting my credit and opportunities to get my new home. I need these removed today. I am not going to ask the creditors again to remove these I am just going to continue to file with the Revdex.com until I reach someone that has authority to tell the Bureaus to remove these. This is absurd I have to go through Revdex.com. 
Regards,
[redacted]

December 18, 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 16, 2014 regarding the abovementioned consumer's personal credit report.Using the identification information you provided, we are unable to locate a credit record for theabove-mentioned consumer. The consumer either has no credit history or additional identificationinformation is needed in order to access the credit information. Please forward the consumer'sspecific disputes along with the consumer's complete identification information (Social Securitynumber, 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, stateID 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

92123RE: Rosalind  [redacted] Complaint ID # [redacted] REF: [redacted]Dear Revdex.com:Our office recently received your correspondence of May 31, 2017, 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.According to the Fair CreditReporting Act (FCRA), a national Consumer Credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the source of the disputed information and informing them of all relevant information regarding the consumer's dispute. In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the Consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact Creditors directly to dispute items reported by the Creditor. If the issue is not resolved, then the consumer Credit reporting agency must offer to include a Consumer statement on the personal Credit report.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 me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs AssociateExperian Consumer Affairs 214726 [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]

Yes I have a third party working on my credit

TO WHOM IT MAY CONCERN, I AM WRITING THIS TO CONFIRM AND CONSENT THAT I HAVE GIVEN CRE REPAIR AUTHORIZATION TO FILE A COMPLAINT ON MY BEHALF TO EXPERIAN REGARDING INFORMATION ON MY CREDIT REPORT.THANKS [redacted]