Experian

October 17, 2014
Revdex.com
Serving San Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA 92123
RE [redacted] and [redacted]
REF# [redacted]
Complaint ID # [redacted]
Dear Revdex.com:
Our office recently received your...

correspondence of October 13, 2014 regarding the above mentioned
consumer's personal credit report.
Our records indicate that we have contacted the data furnishers on September 18, 2014, November
23, 2010 and October 18, 2010 to verify the accuracy of the information with which the above
mentioned consumer disagrees. The disputed information was verified as accurately reported and
confirmations were mailed to the consumer for review.
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.
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,
[redacted]
Senior Regulatory Affairs Associate

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

Yes I [redacted] Authorized , [redacted] to file complaint on my behalf

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

Mat 4, 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 26, 2016 regarding the above...

mentioned consumer's Experian credit report.Today | attempted contact with the consumer by telephone and through his spouse, I was able to address his concerns. We are in the process of providing him with a current Experian credit report for review.If the consumer has additional questions or concerns regarding his credit report, he may contact me directly at [redacted] and I will assist him in any way that I can.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] [redacted]

Dear Revdex.com:Our office recently received your correspondence of May 26, 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]

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

August 10, 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 dated August 3, 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.|f| may be of further assistance, please contact me directly.Sincerely,[redacted]

::::: ExperianDecember 14, 2015Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: ***...

*** Complaint ID # ***REF# ***Dear Revdex.com.Our office recently received your correspondence of December 4, 2015 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 of 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 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,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

:::::: ExperianJanuary 26, 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 22, 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]

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

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]

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]

August 26, 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 August 26, 2016 regarding the above...

mentioned consumer's personal credit report.Our records indicate that we have not received correspondence from the consumer in June or July, 2016.Based upon a Consumer Financial Protection Board (CFPB) complaint on behalf of the consumer processed earlier today, we have deleted the security alert and permanently removed the security freeze from the consumers Experian Credit report.To remove fraud alerts and the security freeze from the Consumer's Equifax and TransUnion credit reports, he will need to contact them directly.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]
[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.
cal
The response is not true. They have removed this item several times and only after I have provided the following proof. I am tired of having to go through this exercise every 3-4 months. It has caused me allot of problems when buying a home, a car, credit card declines, along with job denials. I do not feel that they take this serious at all. This is not my responsibility to make sure credit reporting agency's are ethical. This is an example of how lack of follow through can jeopardize someones livelihood. I have attached the divorce degree which was final in 2006 when this loan was in default. This loan should have been removed permanently along time ago but this company keeps changing the date on the loan. I have also given you a copy of my discharge which also includes this company as well. This is dated in 2009. Because I could not get this removed from my credit I had to go to the next level. I now have 2 court orders that clearly state I am not responsible for this loan. For the record this is not a credited school it is a massage course so when they use this and they well they are lying. I have included the recent request dated 11/2014
Regards,
[redacted]

I [redacted], yes a complaint was filed on my behalf by a third party.

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.
[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]