Experian

ExperianJune 13, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of June 3, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, 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 processingIf 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 informationIn 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 vendorInvestigations can take as long as days to reach a conclusionAfter 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 recordPlease 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 assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

:::::: ExperianFebruary 8, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint # [redacted] Ref # [redacted] Dear Beetter Business Bureau:Our office recently received your correspondence dated January 28, 2016, regarding the above mentioned consumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we will provide the results of our investigation directly to the consumer.|f| may be of further assistance, please contact me directly[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***Sincerely,

Dear Revdex.com:Our office recently received your correspondence of April 21, 2017, regarding the above mentioned consumer's personal credit report.According to our records, the [redacted] Financial account appears as stated on the consumer's Current Experian Credit report, as never paid lateA copy of the current Experian credit report is being mailed directly to the consumer for review.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any duestions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs 214726***CC [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.February 19, 2015Revdex.comViewridgeAve #200San Diego, CA 92123RE: [redacted] #REF: [redacted] Dear [redacted] :This letter is in reference to your letter you received from Experian on January 29, 2015.Experian says they verified the information on my credit report but they did notI have asked perthe FCRA sec 605b and e(2)c in which they have to prove to me in writing, who they talkedto, when and they have to verify my name and address and birthdate and SSNThey have notprovided me with this information and I have requested it times from them.I also have called Experian and talked to them and asked what was verified and they told me onlymy name and addressSo how can they verify it was me.I also have fraudulent addresses on my file in which I never lived , and they didnt remove thoseeither.The credit bureaus per FCRA sec 605b are to remove or block fraudulent information within 4business days when they receive documents pertaining to identity theftThey received my FTCfraud affidavit # [redacted] and my personal info and still they are refusing to follow the laws setforth for themIf this is not resolved within business days, I will file a lawsuit against them.Sincerely, [redacted]

Our office recently received your correspondence 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 reviewIf the consumer has additional information regarding disputed information, please provide itPlease specify the item or account name and number along with the consumer's specific disputes and the additional informationPlease 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.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 disputeIn 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 documentsConsumers may also contact creditors directly to dispute items reported by the creditorIf 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 youPlease contact me directly if you have any questions

July 22, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Ref#: [redacted] Complaint # [redacted] Dear Revdex.com:Our office recently received your correspondence dated July 14, 2015, regarding the above mentionedconsumer's Experian credit report.We do apologize for any difficulties Mr [redacted] may have experienced while trying to enroll in [redacted] delivery notification service via the online processIf a consumer is unable to passauthentication online, it would require them to contact [redacted] either by telephone or by mail for securitypurposesMr [redacted] would have to follow the directions provided, if you are denied online accesswhile trying to order the servicesUnfortunately, we are unable to tell Mr [redacted] was not able topass authentication when requesting [redacted] delivery notification serviceThe questions that he isreferencing are created by a security program and are intended to be 'out of wallet' questions, in orderto prevent unauthorized access to your credit report or other services by someone other than yourself.Please understand that not every consumer is guaranteed online access to their credit report; that iswhy we also offer the option of writing in or calling in to request your credit reportAccording to ourrecords, you were able to successfully order your credit report via online request you made on June13,2015.If I may be of further assistance, please contact me directly.Sincerely, [redacted] Senior Regulatory Affairs Associate [redacted] ***

Yes, I've given the 3rd party company(***) permission

April 18, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID# [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence dated April 8, 2016, regarding the above mentioned consumer's Experian credit report.We are currently investigating the disputed informationUpon 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 systemWe ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within days of the date that we received the consumer's requestOnce we receive their response, we send the consumer the results of the investigationIf we do not receive a response within 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 disputeIf the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit reportThe 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 disputesPlease 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,

[redacted] Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me 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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [[This issue has not yet been resolved and furthermore I have made several attempts to obtain documentation from the furnishing company without resultsI have provided Experian with documentation showing certified mail sent to [redacted] ***, which proves that I have made efforts to validate this debt, but I've no response from [redacted] Experian continues to inaccurately report this account and is causing undue stress and credit damage to me and my family.] Regards, [redacted]

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 information with which the consumer disagreesUpon 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 recordAlthough 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 ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian'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 lawWe contactfurnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either We review and consider the responsedetermine whether to accept it, reject it, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take as long as days to reach a conclusionAfter we complete Out 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 recordPlease 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 assistLet me assure you that Experian takes its Commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease Contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted] ***

February 27, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence with additional information of February 17, 2015regarding the above mentioned consumer's personal credit report.An Extended Security Alert has been added to the consumer's credit reportThis message, which willexpire after years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.Based on our review of the request and the information available to us, we have determined thateither: the request to block information was made in error or, the request to block information wasbased on a material misrepresentation or, the consumer knowingly obtained or should have knownthat she obtained possession of goods, services, or moneys as a result of one or more of thetransactions that the consumer is seeking to block.Therefore, we are declining the request to block one or more of the items of informationIf theconsumer has additional relevant information that indicates that the disputed item(s) resulted fromidentity theft, please contact us again and provide this information.The consumer can refer to the personal credit report for the name, address and phone number (ifavailable) of the data furnisher of the information that we declined to blockIf the consumer stillbelieves the disputed item(s) is inaccurate, then we will add a statement of continued dispute to thecredit report at the consumer's request.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Hello, I, [redacted] , authorize [redacted] to file the complaint on my behalfTheir address is: [redacted] Thank you for your time, [redacted]

I am authorizing my third party complaintMy complaint id # [redacted]

January 30, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE S [redacted] Complaint ID # [redacted] REFi [redacted] Dear Revdex.com:Our office recently received your correspondence of January 19, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.If the Consumer has additional information regarding the disputed information, please forward it directly to me.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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take as long as days to reach a conclusionAfter 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 recordPlease 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 assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] MCE Experian Consumer Affairs Senior Regulatory Affairs Associate 4159CC [redacted]

I would like a real investigation do to a late payment from [redacted] that was put on my experian credit report that is inaccurateI have filed a dispute with [redacted] do to automatic payments error once setup by a representative after filing they removed the late payment from Equifax and Trans Union and I am trying to find out why this has not been removed from ExperianI have disputed with you previously and got letter saying updatedThis is far from the truth and I believe you're committing FRAUD on my account by reporting inaccurate information when I request physical proof! I request a human investigation to verify with documentation proof from the creditor reporting this information and have this sent to my addressIf my request is not completed I will take legal action for my requested information of proof and compensation for violating the FCRAIf proof cannot be provided I would like this to be removed off my credit report immediatelyThis Account is also a business card that should only report on my business profile.Desired Outcome: Remove inaccurate late payment on my credit report from [redacted] ***

August 19, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com.Our office recently received your correspondence of August 12, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and Consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take as long as days to reach a conclusionAfter 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 recordPlease 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 assistLet me assure you that Experian takes its Commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease Contact me directly if you have any questions.Sincerely, [redacted]

Experian strives to achieve a high level of customer service for all the consumers they assistLet assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***, ***Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted] ***

We are Currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigatoi directly to the consumer for review.Please feel free to contact our office directly if you need further assistance.Sincerely, [redacted] [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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [This is the same response I received way back when I first requested for Method of Verification regarding my disputeIn this letter, Experian stated that they will process my dispute once againIf as Experian stated in the past, they processed my dispute followed by laws/regulations, then why they still could not provide me with Method of Verification? Why do they need to go through the same process of verifying information on my Wells Fargo account? At this time, I am very concerned about validity and accuracy of information on my Wells Fargo accountIf Experian did not go through required method of verification by law, they should delete erroneous entry on my credit reportThis is also required by Fair Credit Reporting ActTherefore, I demand immediate action from Experian to remove the late payment on my Wells Fargo account.] Regards, [redacted] ***