Experian

August 6, 2015Revdex.comServing San Diego, Orange...

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 July 29, 2015 regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by law. We contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by law. We review and consider the response to determine whether to accept it, rejectit, or follow up for additional information. If, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processing. If we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendor. Investigations can take aslong as 30 days to reach a conclusion. After we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public record. Please referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist. Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF: [redacted]Dear Revdex.com:Our office recently received your correspondence of May 5, 2017, regarding the above...

mentioned Consumer's personal credit report.We have mailed a current credit report directly to the consumer for review. If there is additional 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, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.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.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 Experian Consumer Affairs 214726[redacted]

January 13, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]REF #: [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of January 6, 2015 regarding the above mentionedconsumer's rebuttal of our response to his complaint.An Initial Security Alert has been added to the consumer's credit report. This message, which willexpire after 90 days, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.Our records indicate that the information disputed in the consumer's original complaint of December16, 2014 does not appear on his current Experian credit reportWe are presently investigating the additional information with which the consumer disagrees. Uponcompletion of this process, we will provide the results of our investigation directly to the consumer.We have mailed a current credit report directly to the consumer for review. If there is additionalinformation with which the consumer disagrees, please specify the item or account name and numberalong with the consumer's specific disputes. Please provide their complete identification information(Social Security number, full name, current address, previous addresses in the last two years and dateof birth). Also, please include one copy of a government issued iden1ification card, such as a driver'slicense, 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 our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

April 29, 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 April 21, 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 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]

:::::: ExperianFebruary 25, 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 February 16,...

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.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

March 20, 2015Revdex.comServing San Diego and Imperial...

Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of March 12, 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 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

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 any...

questions.Sincerely,[redacted]Senior Regulatory Affairs AssociateExperian Consumer Affairs[redacted]

Yes there is a 3rd party company working on my credit.Thank you for the follow up,[redacted]

Dear Revdex.com:Our office recently received your correspondence of July 29, 2017, 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 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. 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.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]

March 30, 2017Revdex.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, 2017 regarding the above...

mentioned consumer's personal Credit report.In order to investigate the Consumer's Complaint, 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 or 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 Experian Consumer Affairs 214726 [redacted]CC : [redacted]

The third party has my authorization to pursue this complaint in any fashion

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF#: [redacted]Dear Revdex.com:Our office recently received your correspondence of March 28, 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.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] on behalf of Michael Lonergan Senior Regulatory Affairs Associate Experian Consumer Affairs2147264159CC [redacted]

Revdex.com:[redacted] WAS UPDATE 08/16, 2016 NO CHANGE MUST DO ANOTHER DISPUTE
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.
Regards,
[redacted]

Our office recently received your correspondence regarding the above-mentioned consumer's rebuttal of our response to their complaint.As stated in our previous letter, 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 the consumer.Thank you for allowing me to assist you. Please contact me directly if you have any questions.

December 8, 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 2, 2014 regarding the abovementioned...

consumer's personal credit reportBy federal law, the personal credit report must list all organizations that have requested your credithistory. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian thatthey have a permissible purpose may inquire about credit information. For example, organizations thathave granted you credit or with whom you have applied for credit, or entities collecting on transactionsthat you initiated or on judgments rendered against you, are permitted to make inquiries on your creditreport Requests for your credit history remain on the personal credit report for at least two years.Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian takes its committeemen to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regula1ory Affairs Associa1e

August 25, 2015Revdex.comServing San Diego, Orange 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 August 17, 2015 regarding the above...

mentionedconsumer's personal credit report.According to our records, the [redacted] account [redacted] appears asstated on the consumer's current Experian credit report, as an open, never late account. A copy ofthe current Experian credit report is being mailed directly to the consumer for review.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 AssociateConsumer Affairs Special Services[redacted]

::::: ExperianNovember 4, 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 October 27, 2015...

regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumes.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.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] On behalf of [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services 214 726 [redacted]?? . [redacted]

Thank you for your recent correspondence dated October 14, 2016, 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 September 29,...

2016, March 29, 2016, and July 18, 2011.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 your client 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 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 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] On Behalf of [redacted]Experian Consumer Affairs

April 16, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently...

received your correspondence of April 8, 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

Dear Revdex.com:Our office recently received your correspondence of September 12, 2017, regarding the abovementioned consumer's personal [redacted] report.An Extended Security Alert has been added to the consumer's [redacted] report on May 28, 2017. This message, which will expire after 7 years,...

alerts [redacted] grantors to verify the consumer's identification in case someone is using their information without their consent.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.In regards to your membership concerns, our records indicate that you have enrolled with [redacted]check(R) Total multiple times in the past, most recently on August 17, 2017. The membership is currently active. Benefits of this membership include three bureau [redacted] monitoring, daily refreshes of your Experian(R) report and score, and quarterly refreshes of your three bureau reports and scores. Our records also indicate that you are currently enrolled in our free membership, Experian [redacted]WorksSMBasic. On September 19, 2017, our representative reached out to you via phone and email regarding your membership concerns. For any additional membership assistance needed, please feel free to reach out to her directly.When a consumer disputes the accuracy or completeness of information on the personal [redacted] 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. 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 [redacted] 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. After we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the [redacted] file with the [redacted] reporting agencies, the consumer also has the right to dispute information in the [redacted] 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 [redacted] report for the furnisher or public records office name, address, and phone number (if available).According to the Fair [redacted]Reporting Act (FCRA), a national consumer [redacted] 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 [redacted]ors directly to dispute items reported by the [redacted]or. If the issue is not resolved, then the Consumer [redacted] reporting agency must offer to include a consumer statement on the personal [redacted] 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 if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]