Experian

Dear Revdex.com:Our office recently received your correspondence of August 15, 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 consumers.The Consumer may want to contact the creditors involved in this situation to explain the circumstances. They may request for the consumer to complete an affidavit of fraud so they may further investigate the disputed accountA Security Alert has been added to the consumer's credit report. This message, which will expire after 90 days, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent. As an additional precaution, we have removed the consumer's name and address from prescreened offer mailing lists for six months. For the consumer's Convenience, we will share this security alert request with the other national credit reporting agencies, Equifax and Trans Union.Please contact me directly if I may be of further assistance regarding this matter.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

Dear Revdex.com, My name is [redacted] and I am allowing and authorizing permission to [redacted] third party to act on my behalf. Please reopen my case at your early convenience. Please let me know if you have any questions are concerns. Thank you, [redacted]

March 24, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID #[redacted]Ref # 125866.289Dear Revdex.com.Our office recently received your correspondence of March 17, 2015 regarding the...

above mentioned consumer's complaint.Today | attempted telephone contact with the consumer and left a detailed message with my contact information. If the consumer continues to have questions or concerns regarding his Experian credit report, he may call me directly at 214-726-4159 and I will assist him in any way that I can.Additionally, our records indicate that the disputed information does not appear on the consumer's current Experian credit report. We have mailed a current Experian credit report to the consumer for review.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services 214 726 [redacted]?? ; [redacted]

Dear Revdex.com:Our office recently received your correspondence of May 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.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 Associate Experian Consumer Affairs 214726 [redacted]

December 20, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]Dear Revdex.com.Our office recently received your Correspondence of December 9, 2016 regarding...

the above mentioned consumer's Experian credit report.Our records indicate that the disputed information was previously investigated and confirmed as accurately reported.If a bankruptcy was dismissed or withdrawn, it appears on the Consumer's personal Credit report because every action that relates to credit may become part of the credit history. So even though the Court did not allow the filing of the bankruptcy or the bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal credit report.According to the Fair Credit Reporting Act (FCRA), Section 605 (d) (1), if a bankruptcy is withdrawn before a final judgment "the Consumer reporting agency shall include in the report that such case was Withdrawn"The bankruptcy dismissed withdrawn status will remain on the consumer's Experian credit report for seven years from the filing date.Experian strives to achieve a high level of Customer service for all the Consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any duestions.Sincerely,[redacted]

Revdex.com Serving San Diego and Imperial Counties 4747 Viewridge Ave., #200 San Diego, CA 92123RE: [redacted] A. [redacted] Complaint ID # [redacted]REF#: [redacted]Dear Revdex.com:Our office recently received your correspondence of March 29, 2017, regarding the above mentioned...

consumer's complaint.Our records indicate that the disputed [redacted] HELOC account does not appear on the consumer's current Experian Credit report. We have mailed a current Experian Credit report directly to the Consumer for review.Additionally, research indicates that the [redacted] HELOC account was included in the chapter 13 bankruptcy filed on February 28, 2010. Because this account had reached the maximum retention time permitted by the Fair CreditReporting Act (FCRA), it was deleted from the consumer's Experian Credit report. At this time, we are notable to re-add the account.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, Katie ROSSSenior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]CC. [redacted]

April 17, 2015 Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123 Re: [redacted]Ref: [redacted] Complaint ID: [redacted] Dear Counselor:Our office recently received your correspondence dated April 9, 2015, regarding the above...

mentionedconsumer's personal credit report Please accept this letter as confirmation that we are in the process of deleting the disputed studentloans. Upon completion, an updated copy of the personal credit report will be provided to your clientfor review. Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions. Sincerely, [redacted]Senior Regulatory Affairs Associate

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  They have since corrected the action so please consider this complaint resolved.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

May 20, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE. [redacted] Complaint # [redacted]Ref # [redacted]Dear Revdex.com.Thank you for your recent correspondence dated May 12, 2016, regarding the above mentioned...

consumer. Our records indicate that We previously conducted an investigation regarding the disputed information and have provided the results of our investigation directly to the consumer on May 18, 2016.Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing information. Therefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency.If your client 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 data furnisher reporting this information. If you have any additional supporting documentation regarding the disputed information, please forward that to my attention 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 data furnisher. 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 our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]  Complaint ID # [redacted] REF: [redacted]Dear Revdex.com:Our office recently received your correspondence of May 8, 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 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 Experian Consumer Affairs 214726 [redacted]

To whom it may concern,Yes there is a third party helping me with my credit. [redacted] 
[redacted]The third party isCRE credit services850 E Central Parkway Suite 200Plano, tx 75074888-799-7267

January 28, 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 20, 2015 regarding the above...

mentionedconsumer's complaint.Today I attempted telephone contact with Ms. [redacted] and left a detailed message with my contactinformation. If Ms. [redacted] continues to have questions or concerns regarding her Experian creditreport she may call me directly at ###-###-#### and I will assist her in any way that I can.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

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.  Thank you for the rapid response and addressing my issues. 
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.
Regards,
[redacted]
I do not agree with their response. I asked for a response from my certified and notarized affidavit. they have to uphold the law just like I do. if the response is not answered this time I will proceed with a small claims court and provide all my paper work and copies. this is my third and last time attempting to get this affidavit answered. provide validation. i refuse to take no for an answer.

Dear Revdex.com:Our office recently received your correspondence of September 6, 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 Cantake 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.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.  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).By federal law, your personal Credit report must list all organizations that have requested your Credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. For example, organizations that have granted you Creditor with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your Credit report. Requests for your Credit history remain on the personal credit report for at least two years.Inquiries from Credit grantors who request your credit information as part of your application for Credit will display under the heading "Inquiries shared with others" on your personal Credit report. These inquiries display on your Credit report when it is accessed by others with a permissible purpose. These inquiries may affect your credit score.Other inquiries for your Credit information are considered "soft" inquiries and do not affect your Credit score. Some examples are: your current creditors to monitor your accounts; other creditors who want to offer you preapproved credit; an employer who wishes to extend an offer of employment, a potential investor assessing the risk of a current credit obligation, an end user to complete your mortgage loan application, and insurance underwriting (auto or home). These inquiries appear under the heading "Inquiries shared only with you" on your personal Credit report and are not seen by anyone but you (except insurance companies may be able to see other insurance company inquiries).Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs [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 a generic response and feel that no real investigation was completed. I'm upset that a company can lie and say they contacted these companies to verify the information when the court has specifically told me they don't report or verify information with the credit bureaus. Please delete these items or give me names, numbers and address of who you spoke too. Along with time and date 
Regards,
[redacted]

Yes I [redacted] have authorized a third party to work on my behalf. The company is [redacted]

Yes, [redacted] is working on my account. Do you need anything else from me?

Yes, there is a third party working on my credit.  It is [redacted].