Experian

May 3, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123Re: [redacted] Complaint # [redacted] Ref [redacted] Dear Revdex.com.Our office recently received your correspondence dated April 25, 2016, regarding the above mention 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 for review.Please feel free to contact our office directly if you need further assistance.Sincerely,Y [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

::::: ExperianDecember 8, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123Re: [redacted] Complaint # [redacted] Ref [redacted] Dear Better Business Bureau.Our office recently received your correspondence dated November 30, 2015, regarding the above mention consumer's personal credit report.The last address supplied in to Experian in regards to the consumer's correspondence has never been reported to us previously by one of their creditorsTo 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 adriver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etcMake sure that each copy is legible (enlarge if necessary), displays their 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 proofUpon receipt I will promptly research the consumer's concernsand respond accordingly.Please feel free to contact our office directly if you need further assistance.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

April 20, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint # [redacted] Ref # [redacted] Dear Revdex.com.Our office recently received your correspondence dated April 11, 2016, regarding the above mentioned consumer's Experian credit report.We have initiated strict measures to safeguard the consumer's information from combining with that of another personIt is essential when the consumer applies for credit or is requesting a copy of a personal Experian credit report, to always use complete identification information.We are in the process of removing the disputed information from the consumer's credit reportUpon completion of this process, we will provide an updated credit report 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 seriously.Thank you for allowing me to assist youIf you have any questions, please contact me directly forassistance[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***Sincerely,

May 13, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123Re: [redacted] Ref: [redacted] Complaint#: [redacted] Dear Revdex.com:Our office recently received your correspondence of May 4, 2015, regarding the above mentionedconsumer's rebuttal of our response to his complaintWe have completed our investigation the results are as follows: [redacted] Judgment and we are in the process of deleting[redacted] has been verified by the data furnisher as reporting accurately on April 28, [redacted] inquiriesBy federal law, your personal credit report must list all organizations that haverequested your credit historyIn accordance with the Fair Credit Reporting Act, entities who havecertified to Experian that they have a permissible purpose may inquire about credit informationForexample, organizations that have granted you credit or with whom you have applied for credit, orentities collecting on transactions that you initiated or on judgments rendered against you, arepermitted to make inquiries on your credit report Requests for your credit history remain on thepersonal credit report for at least two yearsInquiries from credit grantors who request your creditinformation as part of your application for credit will display under the heading "Inquiries shared withothers" on your personal credit report These inquiries display on your credit report when it isaccessed by others with a permissible purposeThese inquiries may affect your credit score.When a consumer disputes the accuracy or completeness of information on their personal creditreport and tell us specifically why they believe the information is inaccurate or incomplete, we processthe dispute as required by lawWe contact the furnisher of the information or the vendor thatcollected the information from a public record source such as a court or other government officeWeask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of theinformation regarding the item the consumer disputed, and report back within days of the date thatwe received the request We review and consider the response to determine whether to accept it,reject it or follow up for additional informationIf we do not receive a response from the furnisher orthe vendor within the required period, we update the item as requested or delete the information, andsend the consumer the results 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, asappropriate, based upon the dispute and the results of our processingIn some instances, uponreviewing the credit file and any relevant information the consumer has submitted to us, we are able todetermine whether the disputed information should be changed or deleted without having to contactthe furnisher or the vendorAfter we complete our processing, we send the consumer the results.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 recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available)Thank you for allowing me to assist youPlease contact me directly ifyou have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Our office recently received your correspondence of July 19, 2017, regarding the above mentionedconsumer's complaint.Using the identification information you provided, we are unable to locate a Credit record for the above-mentioned consumerThe consumer either has no credit history or additional identificationinformation is needed in Order to access the Credit information.Please forward the Consumer's specific disputes along with the consumer's complete identification 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, etcand 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 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] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

Hello,Yes there is a third party working on my credit Their information is below If anything else is needed please let me know [redacted] Thank you [redacted] [redacted]

Dear Better Busvness Bureau:Complaint ID # [redacted] Our office recently received your correspondence of September 21, 2017, regarding the above-mentioned consumers rebuttal of our response to their complaintWe store information based on identification and address information provided to us by credit grantors and providers of public recordsOne or more sources of information reported the address informationin question and it is a part of the consumer's credit historyIf the consumer believes this information is inaccurate, they may want to contact the source of the information directlyPlease contact usdirectly by phone if additional assistance is needed to determine the specific sources of particular identification and address information on the credit reportThank you for allowing me to assist youPlease contact me directly f you have any questions[redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

March 19, 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 of March 10, regarding the above mentionedconsumer's rebuttal of our response to his complaintWe are presently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.If the consumer has additional information regarding the disputed account, please forward it directly tomy attention for review.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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take aslong as days to reach a conclusionAfter 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 recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Thank you for allowing me to assist youPlease contact me directly at ###-###-#### if you have anyquestions.Sincerely, [redacted] Senior Regulatory Affairs Associate

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 bankruptcy was filed on June 20, 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 historySo 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 youPlease contact our office if you have any questions.Sincerely [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC [redacted]

:::::: ExperianFebruary 19, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF# [redacted] Dear Eetter Business Eureau.Our office recently received your correspondence of February 10, regarding the above mentioned consumer's complaint.Today I attempted telephone contact with the consumer and left a detailed message with my contact informationIf the consumer continues to have questions or concerns regarding his Experian credit report he may call me directly at 214-726– [redacted] and I will assist him in any way that I can.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples 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 bePlease 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 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[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services ***C? [redacted]

Dear Revdex.com:Our office recently received your correspondence dated August 16, 2017, regarding the above mentioned consumer's personal credit report.A personal Credit report, by law, must list all parties that have requested a consumer's credit historyAccording to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about credit informationRequests for your client's credit history remain on the personal credit report for yearsThe federal Fair CreditReporting Act (the "FCRA") section outlines permissible purposes of Consumer reports.The inquiries shown on a Credit report are a factual record of the companies who have accessed and reviewed a consumer's profileThey are only logged on the report, when in fact, an inquiry was madeA record of this activity, pursuant to federal law, must remain a part of recordPlease note that Experian does not receive a copy of any applications made to credit grantorsThe consumer may wish to contact the Creditor directly for that information.Therefore, we must respectfully deny the consumer's request to remove the inquiriesIf I may be of further assistance you, please feel free to contact me directly.Sincerely, [redacted] Senior Regulatory Affairs Associate

July 6, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: E [redacted] *omplaint ID # [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of June 27, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the chapter bankruptcy 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 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 our office if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] Dear Better BUSimeSS Bureau:Today our office received your Correspondence of January 31, regarding the above mentioned consumer's rebuttal of our response to his complaint.On February 15, we were in contact with the consumer directly by telephone and we were able to address her concerns and answer her questions regarding the retention of derogatory account information on her Experian credit report.If the Consumer has additional questions or Concerns regarding her Credit report, she may contact me directly at 214-726- [redacted] 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 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] MCE Experian Consumer Affairs Senior Regulatory Affairs Associate ***CC [redacted]

Yes a 3rd party is currently working on my creditPlease allow [redacted] to file complaints [redacted]

August 5, 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 July 28, regarding the above mentioned consumer's rebuttal of our response to his complaint.In the rebuttal, the consumer did not provide details of their dissatisfaction or additional information regarding the disputed information.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.Thank you for allowing me to assist youPlease contact me directly 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 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] ***

April 14, 2016Revdex.com 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 April 6, regarding the above mentioned consumer's personal credit report.We are currently investigating the SYNCB/LOWES account with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the C??l???rl??.Our records indicate that the additional disputed information does not appear on the consumer's current Experian credit report.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] Senior Regulatory Affairs Associate Consumer Affairs Special Services [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 I have attempted to speak each bureau multiple times already I no longer want to prolong my life because of someone else Regards, [redacted]

June 13, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] Dear Revdex.com.Our office recently received your correspondence of June 3, regarding the above mentioned consumer's personal credit report.Our records indicate that the disputed information does not appear on the consumer's current Experian credit reportWe have mailed a current Experian credit report 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 me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

May 29, 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 of May 20, regarding the above mentionedconsumer's personal credit report.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.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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take aslong as days to reach a conclusionAfter 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 recordPlease 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate