Experian

Our office recently received your correspondence of September 21, 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.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 of public records office name, address, and phone number (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 Creditreport.Experian strives to achieve a high level of Customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

January 26, 2016Eetter BUSiness Eureau Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: [redacted] Complaint ID: [redacted] REF# [redacted]Dear Eetter Business Eureau.Thank you for submitting your complaint dated 01-22-2016, regarding the above...

mentioned consumer. We appreciate that your office took the time to let us know about their experience with our company.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 additional assistance, the consumer may call me directly at [redacted], or write to Experian at P.O. Box 1240, Allen, TX 75013. Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[If Experian, specifically would have read the context of my complaint, Experian would realize how much of a contradiction of their response indicated here with this Revdex.com report. Reiterating my initial and ONLY complaint regarding the illegal and willful noncompliance on the part of Experian Credit Reporting Agency per FCRA for willfully altering the date of first delinquency (DOFD) of these accounts. These accounts were SOLD to COLLECTIONS, therefore Experian's response here is false, as the accounts were not in good standing. I am submitting evidence AGAIN proving my point that Experian, that these accounts went to the court of law, in [redacted], see attachments, as well as original submissions to the Revdex.com regarding [redacted], senior regulatory affairs associate, consumer affairs special services PHONE [redacted];  states in his letter, on behalf of Experian, dated 11/12/15, that only "two [redacted] accounts were reporting on Experian, as well as both accounts were on paid, never late status" (see attachmenus), as you can see from the attachment my Experian creditreport dated the SAME date (11/12/15) shows three (not two-EXPERIAN) [redacted] accounts reporting as charged off. Therefore, I do not agree with MR.  [redacted] response i.e.., Experian. The issue at hand is illegally reaging said accounts, and illegally publicly reporting which are supported by the original creditor the correct [redacted]s (attachments)  proving the correct last date of delinquency as over seven years ago. It is ironic that neither transunion nor equifax have any of these accounts on my current reports, it is also ironic, that I did not have to dispute with the other two credit reporting agencies over these accounts. The discrepancy and illegal reaging of the [redacted]s is purely Experian's illegal attempt to defame my character, this is causing undue stress when I have Ll of the evidence against Experian. I will continue this fight until justice is served on my credit report. If Experian  does not  correct these [redacted]s on my Experian credit report, experian will be quaranteed I will take this as far, and as long, as legally possible to hold all entities responsible for willful noncompliance per FCRA]
Regards,
[redacted]

Dear Revdex.com:Our office recently received your correspondence of August 25, 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.Judgments, Tax Liens and Bankruptcies are a matter of public record. Although the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to Experian. Experian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record information. Experian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).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 [redacted]

January 18, 2017Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]
[redacted]Dear Revdex.com.Our office recently received your Correspondence dated January 9 2017,...

regarding the above mentioned Consumer's personal Credit report.Using the identification information you provided, we are unable to locate a credit record for the above-mentioned consumer. The consumer either has no credit history or additional identification information is needed in Order to access the Credit information. Please forward the Consumer's specific disputes along with the consumer's complete identification information (Social Security number, full name, Current address, previous addresses in the last two years and date of birth).Please include one Copy of a government issued identification card, such as a driver's license, state ID card, etc. and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its Commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]
[redacted]

July 28, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200[redacted] [redacted]Dear Revdex.com.Our office recently received your correspondence of July...

20, 2016 regarding the above mentioned consumer's complaint.Using the identification information you provided, we are unable to locate a credit record for the above-mentioned consumer. The consumer either has no credit history or additional identification information is needed in order to access the Credit information. Please forward the ConSUmer's specific disputes along with the consumer's complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth).Please include one copy of a government issued identification card, such as a driver's license, state |D 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] [redacted]

Complaint ID #: [redacted]Our office recently received your rebuttal regarding the above mentioned Consumer's personal Creditreport.ACCOrding to our records, the disputed [redacted] account appe[redacted] as stated on the Consumer'sCurrent Experian Credit report, as never being late.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 214728 [redacted]CC [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

Our office recently received your correspondence regarding the above mentioned consumer's rebuttal of our response to their complaint.Our records indicate that [redacted]X was previously investigated on July 24, 2016, September 27, 2016, February 15, 2017, December...

8, 2017, January 3, 2018, and January 12, 2018.In each instance, the creditor verified the accuracy of the information. Results of each investigationwere provided directly to the consumer for review.If the consumer has any additional information or supporting documentation regarding the disputed information, for example a letter from the creditor indicating the correct status or payment history, theymay forward it directly to us for reviewWhen 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 their dispute as required by law. We contact the furnisher of the data to verify the accuracy of the disputed information.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.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 our office if you have any questions.

I have authorized [redacted] to file the claim on my behalf.

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

April 8, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]REF# [redacted]Complaint ID # [redacted]Dear Sir/Madam:Our office recently received your correspondence of March 31, 2015 regarding the above mentionedconsumer's rebuttal of our response to his complaintToday I contacted the consumer directly by telephone and was able to confirm that he has receivedhis accurate Experian credit report Additionally, he stated that he was able to access the credit reportvia the internet.Thank you for allowing me to assist you. Please contact me directly if you have any questions orrequire additional assistance ..Sincerely,[redacted]Senior Regulatory Affairs Associate

September 1, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID [redacted]REFi 128421924
Dear Revdex.com.Our office recently received your correspondence of August 24, 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]

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.

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]

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]

March 27, 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 19, 2015 regarding the...

above-mentionedconsumer's complaint.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 collectedthe information from a public record source such as a court or other government office. We ask thefurnisher or the vendor to conduct a thorough and complete investigation to verify all of theinformation regarding the disputed item, and report back within the time frame required by law. Wereview and consider the response to determine whether to accept it, reject it, or follow up foradditional 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, asappropriate, based upon the dispute and the results of our processing. If we do not receive aresponse from the furnisher or the vendor within the required period, we update the item as requestedor 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. After we complete ourprocessing, we send the consumer the results.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 narne, 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 me directly if you have any questions.Sincerely, [redacted]Senior Regulatory Affairs Associate?

November 7, 2014
Revdex.com
Serving San Diego and Imperial Coun1ies
4747 Viewridge Ave., #200
San...

Diego, CA 92123
RE [redacted]
REF# [redacted]
Complaint ID # [redacted]
Dear Be11er Business Bureau:
Our office recently received your correspondence of October 30, 2014 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 itern 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]
Senior Regulatory Affairs Associate

Dear Revdex.com:Our office recently received your Correspondence of August 18, 2017, regarding the above mentioned consumer's personal Credit report.We are currently investigating the disputed bankruptcy information with which the consumer disagrees. Upon Completion of this process, we...

will provide the results of our investigation directly to the Consumer.Judgments, Tax Liens and Bankruptcies are a matter of public record. Although the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to Experian. Experian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record information. Experian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).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] Senior Regulatory Affairs AssociateExperian Consumer Affairs [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]