Experian

ExperianJuly 13, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID #[redacted]
REF# 12[redacted]Dear Revdex.com.Our office recently received your correspondence of July 5, 2016...

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

June 25, 2015Revdex.comServing San Diego and Imperial Counties4 7 4 7 Viewridge Ave #200San Diego, CA 92123RE: [redacted]REF# [redacted]Complaint ID: [redacted]Dear Revdex.com:Thank you for submitting your complaint dated 06-17-2015, regarding Mr. [redacted]. We appreciate...

thatyour office took the [redacted] to let us know about his experience with our company.Our records indicate that the disputed information, [redacted], is not appearing on theconsumer's personal credit report. At this [redacted], I am in the process of mailing a current copy of thecredit report to Mr. [redacted] for confirmation. He should receive this report in the 5 to 10 business days.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:
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 was waiting for the credit report that they sent to be received and finally got it yesterday. The items that I disputed still remain on the report. There is one in particular in regards to a tax lien that I sent documentation showing that the lien has been released back in 2004. It still remains on the report as open and un-released.
Regards,
[redacted]

Revdex.com:
I have reviewed the response and have sent in another action...

to Experian and have yet to hear back. Also I called Experian on the 22nd of November and a Rep still refused to even address my issue about incorrect information and wrong information on my report.
 
Regards,
[redacted]

September 8, 2015Revdex.comServing San Diego, Orange and Imperial Counties47 47 Viewridge Ave , #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of August 26, 2015 regarding the above...

mentionedconsumer's personal credit reportWe 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 itern asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendor. Investigations can take aslong as 30 days to reach a conclusion. After we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public record. Please referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services[redacted]

July 22, 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 July 13, 2015, regarding the above...

mentionedconsumer'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 Associate214 726 4045

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.out of dated repeated wrong information of bills on my credit report that I dont recognize the company names . I need them to clean this information up. remove those billing error from credit report.take billing error of my credit report I dont recognize those bills 
Regards,
[redacted]

March 30, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted]REF# [redacted]Dear Revdex.com.Our office recently received your correspondence of March 22, 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]

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'm including my personal document and letters I wrote to Experian-[redacted]- Consumer Affairs Specialist Service-Dispute Department. I am requesting a review of credit report file. So you need to re-open this case #[redacted] You need to contract Mr. [redacted] ###-###-#### ASPS! I can be reached at work  ###-###-####. Looking forward to hear from you soon. (see attached documents)
Thank you,
[redacted]

Dear Revdex.com:Our office recently received your correspondence of October 31, 2017, regarding the abovementioned consumer's personal credit report.Our records indicate that there is not a fraud alert appearing on the consumer's current Experian credit report. We have mailed a current...

Experian credit report directly to the consumer for review.By federal law, your personal credit report must list all organizations that have requested your Credit history. In accordance with the Fair CreditReporting 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). contact the furnisher or the vendor. After we complete our processing, we send the consumer the resultS.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. There is a third party working with me on my credit. [redacted] is working on my behalf. Thank you [redacted]

[redacted]Thank you for allowing me to assist you in this matter.Sincerely,[redacted]Senior Regulatory Affairs AssociateExperian Consumer Affairs[redacted]

December 10, 2014Revdex.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 December 4, 2014 regarding the...

abovementioned consumer's personal credit report.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.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.Tax liens typically do not result from fraudulent activities; therefore, we are requesting additionalinformation that you must provide in order for us to act on your request. Please provide us additionalinformation that supports your claim and we will then determine whether to block the item(s) yourequested. To protect your personal identification information, Experian does not returncorrespondence sent to us. Send copies of any documents you wish to provide to us and alwaysretain your original documents. You may also submit your request or documents supporting your claimelectronically at experian.com/upload.In the meantime, we have asked our public record vendor to verify the accuracy of the tax lieninformation. When this process is completed, which may take up to 30 days, we will send you theresults. If you do not provide Experian with the required information specified above, you will not havesubmitted a valid request to block the tax lien information in your personal credit report due to identitytheft and the information will not be blocked.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

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.
[Problem not solved]
Regards,
[redacted]

:::::: ExperianJanuary 19, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted]REF# [redacted]Dear Better EUsiness Eureau.Our office recently received your correspondence of January 13, 2016...

regarding the above mentioned consumer's personal credit report.An Initial Security Alert has been added to the consumer's credit report. This message, which will expire after 90 days, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.We are currently investigating the [redacted] account with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to theIf the consumer has additional information regarding the disputed account, for example a complete copy of an Identity Theft Police Report, please forward it directly to me.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 Aff

December 28, 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 16, 2015 regarding the...

above mentioned consumer's personal credit report.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] Senior Regulatory Affairs Associate Consumer 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.
Regards,
[redacted]

September 14, 2015Revdex.comServing San Diego, Orange and Imperial Counties47 47 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of September 2, 2015 regarding the...

abovementioned consumer's personal credit reportWe 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 itern asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendor. Investigations can take aslong as 30 days to reach a conclusion. After we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public record. Please referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services[redacted]

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.
To
constitute “legal validation” & therefore, investigate the accuracy of the reported information, you as the reporting agency are required to
retain copies of the following documentation from the individual or institution
submitting the debt information to be reported:
        
i.           
Complete
& concise payment history, the requirement of which has been established
within [redacted] . App. [redacted] & an
agreement that bears the name & signature of the alleged debtor wherein
he/she agreed to pay the original creditor.
      
ii.           
Letter
of Sale or Assignment from the original creditor to a collection company; this
agreement establishes the authority for another to collect on the alleged debt
& has been established within [redacted] Information relating to the
purchase of a bad debt is not burdensome nor proprietary; debtor must phrase
their request clearly to obtain. The source of a bad debt & the amount a
bad debt buyer paid for the Plaintiff’s debt, how amount sought was calculated,
wherein issue a list of reports to credit bureaus, & documents conferring
authority on defendant to collect said debt.
     
iii.           
Intimate
knowledge of the creation of the debt by the collection agency.
Pursuant to
the FCDPA section 809, no one is allo[redacted] District Court of Arizona,
2004 states that the court ruled that reporting a bad debt for collection is
indeed considered collection activity. Therefore, until you have fulfilled my
formal request to provide me w/ “legal validation”, by Federal mandate you’re
legally obligated to cease all reporting of any & all alleged debts in
question on my credit report at your bureau. The above-stated Federal mandates
also establish civil liability & make way for me to seek financial
compensation for such liability from any offending party. While I prefer not to
litigate, I will manipulate the courts as needed to exercise & enforce my
constitutional rights within the FCRA & FDCPA legislations.
So in conclusion, since I've not been provided with any of the listed requirements that I'm entitled to when a credit reporting bureau replies that a listed has been "verified" or "validated", you're violating my rights. Unless these debts are deleted, I will seek legal remedy.
Regards,
[redacted]

May 26, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123Re: [redacted]Ref: [redacted]Complaint#: [redacted]Dear Counselor:Our office recently received your correspondence dated May 15, 2015, regarding the above mentionconsumer's personal credit report.According to our records, the disputed [redacted]/Small Claims Judgment is notappearing on the consumer's current personal Experian credit report. We have provided the report tothe consumer for review.Thank you for allowing me to assist you. Please feel free to contact our office directly if you have anyquestions.Sincerely,[redacted]Senior Regulatory Affairs Associate