Experian

Dear Revdex.com:Our office recently received your Correspondence of August 1, 2017, regarding the above mentioned consumer's rebuttal of our response to their 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 D 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.Sincarc',[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726.4068[redacted]

( This is a perplexing response, has this company even read my complaint ?   I AM A VICTIM OF ID THEFT,  this company was to block fraud related items, after they received my notice and ID THEFT report the ignored my requested and did not block the items and thereby violated the FCRA.   THIS COMPANY NEEDS TO VERIFIY THEY HAVE BLOCKED EACH AND EVERY FRAUD RELATED ITEM MENTIONED IN MY CORRESPONDENCE AND ID THEFT REPORT AND POLICE REPORT, both of which I already sent them.  Again I am attaching the  Police report the FTC ID THEFT REPORT  along with correspondence addressed to Transunuion that has the list of fraud related items. TO RESOLVE THIS ISSUE TRANSUNION NEEDS TO BLOCK THE ITEMS LISTED IN THE ATTACHED LETTERS WITHIN 4 BUSINESS DAYS AS REQUIRED BY LAW ]
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]

May 3, 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 25, 2016 regarding the above mentioned consumer's rebuttal of our response to her complaint.An Extended Security Alert has been added to the consumer's credit report. This message, which will expire after 7 years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.We are currently investigating the inquiries with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.Regarding the [redacted], this account appears as an account in good standing with no late payments being reported. We have added the statement "Account closed by consumer's request" however, the creditor did not report this account as closed. To ensure that the account is closed, you will need to notify the credit grantor in writing if you have not already done so. The addresses of your credit grantors are located on your original personal credit report. Creditors are obligated by law to report your account as closed once you ask them to close the account.Regarding the [redacted] our records indicate that we have previously investigated this account on 4 occasions. On 01/05/2012, 02/19/2012 and 03/29/2012 the account was disputed as "never late”. On 07/13/2014 the account was disputed as “not mine due to identity theft". At that time, we contacted the creditor and provided copies of the ID Theft Police report provided in 08/2012 and his written dispute. As outlined in Fair Credit Reporting Act (FCRA), Section 605B (c), (1), (C), We informed the consumer at that time that based on our review of the request and the information available to us, we had determined that he obtained possession of goods, services, or moneys as a result of the transaction(s) that he was seeking to block. Therefore, we declined the request to block the account. We also requested additional relevant information that indicated that the account was a result of identity theft, if available.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.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]

There is a child support account on my credit report that is reported as open and is not open. I have contacted the [redacted]ement office in [redacted] and they told me they do not verify information to the credit bureaus. how can this account be on my credit report then? It says that "This item remained unchanged from our processing of your dispute in Mar 2016" but then shows the date of status as may 2012 which shows me that no real investigation was really done.Desired Outcome: please delete child support account number [redacted] from my credit report.

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 3, 2014 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 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

I give permission for [redacted] to request this information on complaint. 
I have hired them to help me clean up my credit. 
[redacted]
[redacted]

Dear Revdex.com of San Diego, Please take this letter as authorizing the compliant filed to Experian.  I have retained [redacted] and have authorized them on my behalf to file this complaint.  Should you require any further action from me on this subject, please let me know by email...

[redacted]. Best regards,[redacted]

Our office recently received your correspondence regarding the above-mentioned consumer's rebuttal of our response to their complaint.An Extended Security Alert has been added to the consumer's [redacted] report on September 20, 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 have mailed a current [redacted] 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.

Dear Revdex.com:Our office recently received your correspondence of July 24, 2017 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.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.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] Experian Consumer Affairs Senior Regulatory Affairs Associate 214726[redacted]

Hi my name is [redacted] I had received an email about a complaint that was filed. The complaint number was [redacted]I didn't know how to follow up with you until I called this morning. I authorize the 3rd party to make claims on my behalf. I am working with a credit repair company to fix my credit....

If you have any questions please feel free to contact me by either email or my phone number[redacted]Thank you[redacted]

Dear Revdex.com:Complaint ID#: [redacted]Our office recently received your correspondence of September 29, 2017, regardirg the above-mentioned consumer's rebuttal of our response to his complaint.Our records indicate that the disputed information does not appear on the consumer's current Experian credit report. We have rTEiIed an Experian credit report directly to the consumer for review.We have mailed a current credit report directly to the consurrer for review. If the consumer has additional information regarding disputed information, please provide it. Please specify the item oraccount name and number along with the consumer's specific disputes and the additionalinformation. 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, pleaseinclude one copy of a government issued identification card, such as a drivers 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 our office if you have any questions.Sincerely,[redacted] on behalf o[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs972 390 3609

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.Please note this was filed on my behalf by:
[redacted] Can you please engage/communicate with them around this as well?
Regards,
[redacted]

July 8, 2015Revdex.comServing San Diego, Orange and Imperial Coun1ies4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Dear Revdex.com:Complaint ID # [redacted]Our office recently received your...

correspondence of June 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

Re [redacted] Complaint #: [redacted]Ref: [redacted]Dear Counselor,Our office recently received your correspondence dated October 20, 2016, regarding the above mention 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 for review.Please feel free to contact our office directly if you need further assistance.Sincerely,[redacted] Senior Regulatory Affairs Associate

[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 directly 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 find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Yes. This is [redacted] and I have a advisor working with me on my credit. Thanks for your time. [redacted].

September 23, 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 11, 2015 regarding the abovementioned consumer's rebuttal of our response to his complaintJudgments, Tax Liens and Bankruptcies are a matter of public record. Although the court where thedisputed public records are filed may not report this type of data, a vendor may collect this datadirectly from the court's public records and supply that information to Experian. Experian's method ofverification for public records complies with the requirements of the Fair Credit Reporting Act (FCRA).Regarding the [redacted], our records indicate that through our vender,we researched this judgment at the source, the [redacted],[redacted], telephone [redacted] Investigations were initiated on 07/07/2015,05/07/2015, 07/30/2012 and 05/26/2011. The accuracy of the information was verified with results ofour investigations being provided to the consumer at the conclusion of each investigation.Additionally, [redacted] was previously investigated on 12/22/2014, 07/30/2012 and05/26/2011. In each instance, the creditor verified the accuracy of the information Results of eachinvestigation were provided directly to the consumer for review. If the consumer has any additionalinformation or supporting documentation regarding the disputed information, he may forward it directlyto us for review. [redacted] is located at [redacted]telephone [redacted].Any further concerns regarding the disputed information may need to be directed to the sources of theinformation as outlined above.Because Experian has met its obligations under the FCRA, at this time we must respectfully declinethe consumer's request to delete the public record from her Experian credit report.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services[redacted]

May 1, 2015Better...

Business BureauServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]REF#: [redacted]Complaint#: [redacted]Dear Revdex.com:Our office recently received your correspondence dated April 23, 2015, regarding your clientspersonal Experian credit reportOur records indicate that the disputed [redacted] and [redacted]are appearing as the consumer stated on his personal credit report (never late). We are in theprocess of forwarding the consumer a current credit report for review.Thank you for allowing us to assist you in this matter.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.
A formal dispute  with copies of my drivers license and social security card for verification of identification was sent to this agency via certified mail.  My dispute clearly outlined each account disputed, as well as the account number (if provided in their report) as well as the reported amount due.  As per the FCRA, my letter clearly requested that if an account was not removed from my report that they provide the name, address, & phone number of the person they verified the information with.  Their response was simply the same copy of my credit report with not investigation information.  This is detailed in the FCRA and is common with credit reporting agencies to report inaccurate information.  The only acceptable resolution is to remove the accounts disputed as they have failed to follow the law.  Anything less will result in legal action against the agency.
Regards,
[redacted]