Experian

May 12, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE. [redacted] Complaint # [redacted]Ref # [redacted]Dear Revdex.com.Our office recently received your correspondence dated May 4, 2016, regarding...

the above mentioned consumer's Experian credit report.We are currently investigating the disputed information. Upon completion of this process, we will provide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification system. We ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within 30 days of the date that we received the consumer's request. Once we receive their response, we send the consumer the results of the investigation. If we do not receive a response within 30 days we update the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's dispute. If the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit report. The FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputes. Please forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directly.[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]Sincerely,

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]

November 16, 2015Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: [redacted] Complaint ID # [redacted]REF# [redacted]Dear Revdex.com.Thank you for your recent correspondence regarding the above mentioned consumes....

Our records indicate that we have contacted the data furnishers to verify the accuracy of the information with which the above mentioned consumer disagrees. The disputed information was verified as accurately reported and confirmation was provided to the above mentioned consumer for review.If the above mentioned consumer disagrees with the results of the reinvestigation, it is her legal right, under the FCRA, to add a statement specifying the nature of her dispute. The consumer statement will appear on her credit report and be viewable upon inquiry. If she would like our assistance in providing a concise statement, please have her contact us directly at the telephone number or address provided on his personal credit report and we would be happy to assist her. She may refer to the credit report that she received from Experian for the furnisher or public records office name, address, and phone number (if available). In addition, for more information regarding credit and frequently asked questions, she may visit. http://www.experian.com/biogs/ask-experian.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]s Senior Regulatory Affairs Associate Consumer Affairs Special Services[redacted]

I have a third party handling my credit. I may have already responded to this same email. My address is:[redacted]  **
71241Thanks,[redacted] Jr.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]

December 29 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 17, 2014 regarding the abovementioned consumer's rebuttal of our response to his complaint.Today I attempted telephone contact with Mr. [redacted] and left a detailed message with my contactinformation. If Mr. [redacted] continues to have questions or concerns regarding his Experian creditreport or credit score, he may call me directly at ###-###-#### and I will assist him in any way that Ican. Together we may be able to determine if any credit report changes took place that may haveresulted in a change to the credit score.In order to protect Mr. [redacted]'s personal information, Experian does not provide assistance viaunsecured email.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 have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am rejecting this response because: according to the Fair Credit Reporting Act, Section 609 (a)(1)(A), EXPERIAN is required by federal law to verify - through the PHYSICAL Verification of the ORIGINAL SIGNED consumer contract - Any and ALL accounts EXPERIAN post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.EXPERIAN HAS NOT VERIFIED - through the PHYSICAL Verification of the ORIGINAL SIGNED consumer contract - Any accounts EXPERIAN has posted on my credit report.EXPERIAN is REQUIRED under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, EXPERIAN stated in writing that they “verified” that these items are being “reported correctly”? WHO verified these accounts? They have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) (a consumer contract with MY signature on it) and under Section 611 (5)(A) of the FCRA – EXPERIAN is REQUIRED to “…promptly DELETE all information which cannot be verified.” The law is VERY CLEAR as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if EXPERIAN fails to comply.EXPERIAN'S failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if EXPERIAN is unable to provide me a copy of verifiable proof, which is - PHYSICAL Verification of the ORIGINAL SIGNED consumer contract. 
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.  I will wait for the business to perform this action and, if it does, will consider this complaint...

resolved.
Regards,
[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.

Yes there is a third party working on my credit,

( 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]

March 30, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE. [redacted] Complaint # [redacted]Ref # [redacted]Dear Revdex.com.Our office recently received your correspondence dated March 22, 2016, regarding the...

above mentioned consumer's Experian credit report.We are currently investigating the disputed information. Upon completion of this process, we will provide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification system. We ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within 30 days of the date that we received the consumer's request. Once we receive their response, we send the consumer the results of the investigation. If we do not receive a response within 30 days we update the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's dispute. If the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit report. The FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputes. Please forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directly.[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]Sincerely,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am very disappointed...

with Experian not wanting to remove the State Tax Lien which has been paid in full OFF my credit record.  I will seek legal advice and will be bringing a lawsuit to the credit bureau for failing to act.
Regards,
[redacted]

Dear Revdex.com:Our office recently received your correspondence of August 14, 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 for review.Please feel free to contact our office directly if you need further assistance.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

[redacted]
 Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact directly if you have any...

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

February 3, 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 26, 2015 regarding the above mentionedconsumer's rebuttal of our response to his complaint.We are presently 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).Thank you for allowing me to assist you. Please contact me directly at ###-###-#### if you have anyquestions.Sincerely,[redacted]Senior Regulatory Affairs Associate

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]

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.
After reviewing the response that seems to be a generated
letter that does not address anything in my complaint.  Again the codes on the credit score are
incorrect when compared to my credit report. 
Yes it is computer generated but a human input the wrong codes.  Please address my original complaint.  Original complaint:After staying on the phone for 3 hours being transferred
from one number to the next nothing was resolved if anything it got worse.  I called to share that the “Codes” were all
incorrect especially when compared to my credit report.  Code 55: real estate balance too high.  Report
says open/never late, high balance not reported.  Code 32: balance on revolving accounts to
high.  Report says open/never late recent balances $0.  Code 43: 
lack of credit history.  Report shows credit history since 1987.  Code 08: 
few loans or too many loans with delinquencies.  Report
shows paid, closed/never late.  I
mention to one of the young ladies from your company that each month I pay off
my credit card that I use, then I receive a letter from Experian that that
account was deleted from my credit report and just this week received a report
that my credit score has went down because of this action.  I did not ask her to delete and account.  Please eliminate incorrect codes and put my
account back on my credit report. 
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]

June 8, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: Jordan Sisson Complaint ID # [redacted]REF# [redacted]Dear Revdex.com.Our office recently received your correspondence of May 31, 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 214 72[redacted]