Experian

July 24,2015Revdex.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 15, 2015 regarding the above...

mentionedconsumer's personal credit report.We are currently investigating the dispute statements per the consumer's request. Upon completionof this process, we will provide the results of our investigation directly to the consumer.In certain circumstances, data furnishers are obliga1ed to add the dispute statements by the FCRA(Fair Credit Reporting Act).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]

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.
Experain in not in complacence with the law . They are breaking the law as it is written. I am going to file suit against them in court regarding this and will be filing a formal complaint with our congressman [redacted]. If their doing to me, then  they doing it to thousands of people and your helping them by making them a legitimate business. You should not take my actions lightly! I am going to pursue all legal means against them and now your business for enabling them to do this to honesty people.  
Regards,
[redacted]

Dear Revdex.com:Complaint ID # [redacted]Our office recently received your correspondence of Se*mber 26, 2017 regarding the above-mentioned consumer's rebuttal of our response to their complaint.Our records indicate that we have contacted the data furnisher to verify the accuracy of the information with which the consumer disagrees. The disputed inforrnation was verified as accurately reported and confirmation was mailed to the above-rnentioned consumer for review.To help protect against fraud, we do not display complete account numbers. For the same reason many credit grantors do not report the consumer's exact account number on the personal credit report. The consumer may want to check on their credit card, look for original loan documents orcontact the credit grantor if they need the full account number.When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your disputeas 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. We ask thefurnisher or the vendor to verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request (21 days for Maine residents and 45 days for disputes of information on an annual free credit report). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, wefind that the disputed information is inaccurate, incomplete or cannot be verified, we then delete thatinformation, or modify that information, as appropriate, based upon your dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances, upon reviewing your credit file and any relevant inforrnation you have submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor.

ExperianJune 13, 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 June 3, 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]

Our office recently received your correspondence of August 24, 2017 regarding the above mentionedconsumer'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.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]

please adhere the attached documents. they are signed and notarized.
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.
Regards,
[redacted]

Dear Revdex.com:Our office recently received your correspondence of October 30, 2017, regarding the abovementioned consumer's Experian credit report.If a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal Credit report because every action that relates to credit...

may become part of the credit history. So eventhough the court did not allow the filing of the bankruptcy or the bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal Credit report.According to the Fair CreditReporting Act (FCRA), Section 605(d) (1), if a bankruptcy is withdrawn before a final judgment "the consumer reporting agency shall include in the report that such case was Withdrawn".The bankruptcy dismissed/withdrawn status will remain on the consumer's Experian credit report for seven years from the filing date.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]

:::::: ExperianFebruary 5, 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 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 consumer.| have forwarded the consumers concerns regarding uploading documents at the Experian website to the proper department. If the consumer continues to have difficulty with this issue, she may contact me directly at 214-726–4159 and I will assist her in any way that I can.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 me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services 214 726 [redacted]C? ; [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]

October 22, 2014
Revdex.com
Serving San Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA 92123
RE [redacted]
REF# [redacted]
Complaint ID # [redacted]
Dear Los Angeles Revdex.com:
Our office recently received your correspondence of October 15, 2014 regarding the above mentioned
consumer's rebuttal of our response to her complaint
We have completed our investigation with [redacted] #[redacted]. I personally spoke to Ms.
[redacted] with the [redacted] today at phone number ###-###-####. Ms. [redacted] has verified
the account# [redacted] as reporting accurately on October 22, 2014. She recommends if the
consumer has any further questions he may contact Ms. [redacted] with [redacted] at
###-###-#### and request an AMCR. This is a statement on amounts received. We will be providing
the results directly to the consumer.
In regards to [redacted] #[redacted], this has been previously verified by the creditor as
accurately reporting on August 15, 2014.
When a consumer disputes the accuracy or completeness of information on their personal credit
report and tell 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 item the consumer disputed, and report back within 30 days of the date that
we received the request We review and consider the response to determine whether to accept it,
reject it, or follow up for additional information. If we do not receive a response from the furnisher or
the vendor within the required period, we update the item as requested or delete the information, and
send the consumer the results 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. In some instances, upon
reviewing the credit file and any relevant information the consumer has 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.
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). Thank you for 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 find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.com:
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.  The business did respond in a satisfactory manner and I feel the issue/complaint is resolved.
Thank you Revdex.com for your excellent assistance in this matter.  Your services are invaluable!
Regards,
[redacted]

June 11, 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 June 3, 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:
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.
The company has not made any effort to date to provide the credit report as they stated. This is essentially the reason of my complaint. They have been literally doing nothing to provide the report as they're supposed to do. It has been 18 days now. What kind of time frame should be considered reasonable for them to be able to provide access back into their system for me to get the report I was supposed to get?
Regards,
[redacted]

I authorize this complaint. The name and address of the third party is as follows:[redacted]Thanks,[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.A another letter was mailed with a utility bill. Isnt proof that I received your letter saying it was fraud???  I called and verified my identity.   But, when someone used an address I dont live at to obtain an [redacted] with NO proof they were able to do so.  I have sent 2 letters you are the only credit bureau stalling my dispute.  My address has NOTHING to do with my rights under FCRA.   I never sent a letter in 2014!   The 30-45 days is almost up.  [redacted] updated my address NO problem. Here are 3 pieces of mail with my address.  
Regards,
[redacted]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] L. [redacted] Complaint ID # [redacted] REF #: [redacted]Dear Revdex.com:Our office recently received your rebuttal of May 4, 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 in to request your Credit report or request investigations. We are in the process of mailing a current copy of the credit report 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.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.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.Experian strives to achieve a high level of Customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely, [redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726[redacted]

I [redacted] give consent for [redacted] to file a claim on my half. My contact number is ###-###-####The third party information is [redacted]

October 23, 2014
Revdex.com
Serving San Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA 92123
RE [redacted]
REF# [redacted]
Complaint ID # [redacted]
Dear Revdex.com:
Our office recently received your correspondence of October 20, 2014...

regarding the above mentioned
consumer's personal credit report.
Our records indicate that the disputed information does not appear on the consumer's current
Experian credit report. We have mailed a current Experian credit report directly to the consumer for
review.
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me
assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you
for allowing me to assist you. Please contact me directly if you have any questions.
Sincerely,
[redacted]
Senior Regulatory Affairs Associate

January 19, 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 13, 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 resul1s 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