Experian

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 Ick lification 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]n Senior Redulatorv Affairs ASSOClate Experian Consumer Affairs [redacted]

ExperianApril 20, 2016Revdex.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 April 11, 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 [redacted]

Dear Revdex.com:Our office recently received your correspondence of July 5, 2017, regarding the above mentioned Consumer's personal credit report.Our records indicate that the disputed First Tech FCU inquiry 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.By federal law, your personal Credit report must list all organizations that have requested your credit history. In accordance with the Fair CreditReporting 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). Contact the furnisher or the vendor. After we complete our processing, we send the consumer the results. 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]

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.
[redacted] thanks for the response, I have to reject the company’s response, please see my response below:   I just checked my report and the [redacted] is still showing on my Experian credit report  which I obtain right now from Experian’s own website, Experian needs to block this fraud related account from my credit report. Thanks[redacted]

RE [redacted] Complaint ID # [redacted]REF# [redacted]Dear Revdex.com:Our office recently received your correspondence of September 26, 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.Our records indicate that the "legal item" or judgment do not appear on the consumer's current Experian credit report.According to the Fair CreditReporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's dispute. In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer Credit reporting agency must offer to include a consumer statement on the personal credit report.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] 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.
Regards,
[redacted]

To whom it may concern:
 
Yes, I do have a third party working on my credit. The company is [redacted] * [redacted]
 
Thanks!
 
[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.
once I see them deleted then I will agree
Regards,
[redacted]

Yes, I authorized this complaint.[redacted]
[redacted] TX 78703[redacted]3rd party information:[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]Dear Revdex.com:Our office recently received your rebuttal of March 30, 2017, regarding the above mentioned...

consumer's complaint.If there is information appearing on a Credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error". If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or aCCOUnt name and number.Please provide the Consumer's specific disputes along with 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.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.

July 11, 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 July 1, 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.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 Consumer Affairs Special Services [redacted]Sincerely,

January 3, 2017Revdex.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 21, 2016...

regarding the above mentioned consumer's complaint.We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error". If the status dates, amounts, balances or other specific data is incorrect, the Consumer should also indicate what the Correct information should be. Please specify the item or account name and number.Please provide the Consumer's specific disputes along with 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.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 you for allowing me to assist you. Please Contact me directly if you have any questions.Sincerely,[redacted]

Our office recently received your correspondence of October 14, 2016, regarding the above mentioned consumer's complaint.Our office recently received the consumer's correspondence dated September 27, 2014, regarding their Experian credit report. The last address supplied into Experian in the...

consumer's correspondence has never been reported to us previously by one of their creditors. To assist you, we must verify the consumer's current delivery address.Please have the consumer mail us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays her name and current mailing address, and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. Upon receipt I will promptly research your concerns and respond accordingly.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 at 214 726 4045 if you have any questions.Sincerely,[redacted]

:::::: ExperianJanuary 19, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted]REF# [redacted]Dear Better EUsiness Eureau.Our office recently received your correspondence of January 14, 2016...

regarding the above mentioned consumer's personal credit report.Our records indicate that we have previously contacted the data furnishers to verify the accuracy of the information with which the consumer disagrees. The disputed information was verified as accurately reported and confirmation was mailed to the consumer for review.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.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,Michael Lonergan Senior Regulatory Affairs Associate Consumer Affairs Special Services 214 726 4159

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.
Experian is notorious for providing this cookie cutter explanation for inaccurate items listed on my credit report.  There is nothing for Experian to contact United Auto Credit about.  I've provided the proof that Experian information is inaccurate and they don't need United Auto Credit to verify that Experian information is inaccurate.The item needs to be removed from my credit file immediately or I will have no other choice except to proceed with a law suit.
Regards,
[redacted]

:::::: ExperianJanuary 25, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted]REF# [redacted]Dear Eetter Business Eureau.Our office recently received your correspondence of January 20, 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] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Dear Revdex.com:Our office recently received your correspondence of September 20, 2017, regarding the abovementioned consumer's personal Credit profile.Today I contacted the consumer directly by telephone and was able to assist him with his Experian Credit report. I was able to answer...

all of his questions and address his concerns regarding adding a Security Freeze to his Experian Credit report.If the consumer has additional questions or concerns regarding his Experian Credit report in the future, he may contact me directly and I will assist him in any way that I can.Equifax announced on September 7th that they recently discovered a data breach in their system that affected a large number of consumers. As with any data breach, this is an unfortunate situation for impacted consumers. To be clear, this is an Equifax incident and unrelated to Experian(8). We have no indication, nor any reason to believe we were affected However, we stand ready to support impacted Consumers as needed.For specific information regarding this data breach, the consumer may contact Equifax at [redacted].Not everyone will be a victim of identity theft as a result if a breach but keeping informed can help the Consumer mitigate risk when dealing with any data breach. When a breach does occur, the consumer can take action by doing a few things.Stay alert. If the Consumer have been part of a data breach, the breached Company may send them a notice. Retain all documents and consider any suggestions they may have. Also, pay attention to and retain any mail they receive that is unfamiliar to them, Such as notices from the IRS regarding their taxes or any bills from unknown lenders.Monitor financial accounts. The consumer can visit their online bank and financial accounts, and set up any alert features they may have, if the Consumer has not already done so. This could help save them some time and keep them notified of any unusual events when they occur.Monitor Credit reports. The consumer can check their credit report for free once every twelve months by visiting AnnualCreditReport.com. Checking Credit reports can help the Consumer identify any unusual activity, such as new accounts, new personal information or inquiries. Experian free Credit report members can check their Experian credit report for free every 30 days on sign in. Also, if the consumer is already a member of Experian IdentityWorks", they can lock and unlock their Experian credit report at any time.For more information regarding their credit and frequently asked questions, the consumer may visit: http://www.experian.com/blogs/ask-experian/category/blog/pfotecting-your-identit...⇄ 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 y( have any questions.Sincerely, [redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

Dear Revdex.com:Our office recently received your correspondence of May 3, 2017, regarding the above mentioned consumer's Experian credit report.According to our records, the disputed chapter 7 bankruptcy was filed on June 20, 2011 and is being reported as dismissed.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 eventhough 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 CreditReporting 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 Withdawn”.The bankruptcy dismissed withdrawn status will remain on the consumer's Experian Credit report for seven years from the filing date.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]CC [redacted]

July 30,2015Revdex.comServing San Diego, Orange 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 July 20, 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 AssociateConsumer Affairs Special Services[redacted]

August 21, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]Ref #: [redacted]Complaint# [redacted]Dear Revdex.com:Our office recently received your correspondence dated July 30, 2015, regarding the above...

mentionedconsumer's Experian [redacted]dit report.We are currently investigating the disputed information. Upon completion of this process, we willprovide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directlyby letter, telephone, or through an automated verification system. We ask the source to check theirrecords to verify all of the information regarding the item questioned, and report back to us within 30days of the date that we received the consumer's request. Once we receive their response, we sendthe consumer the results of the investigation. If we do not receive a response within 30 days weupdate 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 disputeprocess is to investigate the information to determine the accuracy and completeness of any disputeditem by contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's dispute. If the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit report. The FCRAdoes not require that the consumer reporting agency obtain documentation such as the actual signedsales slips, signature cards, contracts, etc.; nor does it require that consumer reporting agencies actas mediators or negotiators in account disputes. Please forward any documentation directly to thecreditor for review.Please refer to the original Experian personal credit report for the business name, address, and phonenumber (if available) of the source that verified the information.If I may be of further assistance, please contact me directly.Sincerely,  [redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services[redacted]