Experian

:::::: ExperianFebruary 1, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted], [redacted] Complaint # [redacted]Ref # [redacted]Dear Eetter EUsiness Bureau:Our office recently received your correspondence dated August 18, 2015,...

regarding the above mentioned consumer's Experian credit report.Pursuant to the documentation provided, and after further verification, we are in the process of removing the disputed fraudulent information from the Experian credit report and notifying the respective creditors of our actions. Upon completion of this process, we will forward a copy of the credit report to the consumer for review.An Initial Security Alert has been added to your client'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.|f| may be of further assistance, please contact me directly.Sincerely,[redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services 214 726 [redacted]cc; [redacted]

To Whom it may concern,I would like to confirm that there is a "third party working
on your credit”.Thank you,[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 cannot accept this response until I see the account deleted from my credit report. 
Regards,
[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.
They were sent all verifications and still have not corrected incorrect information.They need to correct my report..as requested and for which information supporting the errors were sent certified.
Regards,
[redacted]

December 27, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID #[redacted]Dear Revdex.com:Our office recently received your correspondence of December 15, 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 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]
[redacted]

August 1, 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 July 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 of the vendor. Investigations can take as long as 30 days to reach a conclusion. After we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and 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.If this company fails to provide proper answers, I will notify you all.
Regards,
[redacted]

[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 youfor allowing me to assist you. Please contact our office if you have ary...

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

Yes I do have a third party working on my behalf for this account and the party is [redacted] .thank you [redacted]

Dear Revdex.com:Our office recently received your correspondence dated August 16, 2017, regarding the above mentioned consumer's personal credit report.A personal Credit report, by law, must list all parties that have requested a consumer's credit history. According to the Fair Credit...

Reporting Act, credit grantors with a permissible purpose may inquire about credit information. Requests for your client's credit history remain on the personal credit report for 2 years. The federal Fair CreditReporting Act (the "FCRA") section 604 outlines permissible purposes of Consumer reports.The inquiries shown on a Credit report are a factual record of the companies who have accessed and reviewed a consumer's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. The consumer may wish to contact the Creditor directly for that information.Therefore, we must respectfully deny the consumer's request to remove the inquiries. If I may be of further assistance you, please feel free to contact me directly.Sincerely,[redacted] Senior Regulatory Affairs Associate

June 21, 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 13, 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 me directly if you have any questions.Sincerely,[redacted]
[redacted]

RE: [redacted] Complaint ID #[redacted]REF [redacted]Dear Revdex.com.Our office recently received your correspondence of September 30, 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 meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please Contact me directly if you have any questions.[redacted] Senior Regulatory Affairs Associate

I [redacted] give consent for [redacted] to respond as a third party on my behalf.
 
[redacted]
 
 
Respectfully,
[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]

June 1, 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.Thank you for your recent correspondence of May 23, 2016 regarding the above mentioned...

[redacted]Our records indicate that we initiated investigations of the [redacted]After sending you the results of our processing of these disputes, we discovered an inaccuracy. We contacted the credit grantor that furnished the information and the vendor that collected the information from the US Bankruptcy Court. The credit grantor and the vendor confirmed the accuracy of the deleted items; therefore, as allowed by the Fair Credit Reporting Act (FCRA) Section 611(a)(5) (B) on 01/06/2016 the items were re-added to the consumer's Experian credit report. Notification of the re-insertion of information was provided to the consumer on the same date by US Mail.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.Additionally, our records indicate the [redacted] account does not appear the consumer's current Experian 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 if you have any questions.[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]Sincerely,[redacted]

[redacted]Experian strives to achieve a high level of customer service for all the consumers they assist. Let 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]

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.
In an email dated June 14th I emailed the Revdex.com at [email protected] an attached proof of my identity, as well as the specific items I needed help with. I stated in the email "Please provide the attached to Experian. The items noted in red with exclamation marks are the errors their online system would not accept. I have also provided proof of my identity."
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

Our office recently received your correspondence regarding the above-mentioned consumer's rebuttal of our response to their complaint.Based upon documentation provided by Ms. [redacted], the disputed [redacted] account #[redacted] was blocked from her Experian credit report on January 24, 2018. At that time, we notified [redacted] of our action.Due to a quality review, Experian made a reasonable determination that the consumer had received goods or services or that there had been a misrepresentation of facts by the consumer in connection with this account. It was determined that the account was found to be legitimate and not opened in her name as a result of identity theft. On February 12, 2018, the account was unblocked. Notification of this action was provided via US Mail to the consumer at that time.We are currently investigating the [redacted] and [redacted] Asset Management accounts with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.Thank you for allowing me to assist you. Please contact me directly if you have any questions.

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.  
Regards,
[redacted]