Experian

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.
It is my consumer right under the FCRA to dispute anything on my credit report I feel is inaccurate. This is where the bankruptcy and [redacted] has come to play. I understand the law and not arguing with a true  verified Bankruptcy that you have placed on someones account. In this case this is not the case. This Bankruptcy/[redacted] has been disputed because as stated it is my right to dispute anything inaccurate showing on my credit report. You have FAILED to still explain how you have verified this information.  Who did you verfify this information from? WHERE ARE THE DOCUMENTS THAT HAVE BEEN PRESENTED TO YOU SHOWING THAT THIS INACCURATE REPORTING HAS BEEN VERIFIED. I also contacted the address below in refrence to this BK 7 you are reporting and they advise that they have not verified this inaccuracy with anyone! So. Where and HOW did you verify this information?? I also will be going up Tto this is office to get something in writing on there letter head explaining what they advise to me that they DID NOT VERIFYANYTHING WITH EXPERIAN. SO I ASK AGAIN HOW DID YOU VERIFY AND WITH WHOM SO I CAN REACH OUT TO THEM?Black's Law Dictionary, 9th Edition, 2009, defines "Verify" as, 1) "To prove to be true; to confirm or establish the truth or truthfulness of; to authenticate." 2) "To confirm or substantiate by oath or affidavit; to swear to the truth of." and "Verification" as, "Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party." What this means is that your company must be willing and able to produce a document in your files that proves the account in dispute belongs to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed account and to do this they must have 1st hand knowledge of the alleged account and all that has ever transpired for the alleged account(s), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a "Reinvestigation" that merely shifts the burden back to the consumer and the credit grantor cannot fulfill the obligations imposed by § 1681(a)(4). You have basically ignored my request to provided me with the documents that you have in your files that you used to verify this bankruptcy/[redacted] ACCOUNTS which means that you have NOT verified or you cannot verify under Section 611 (5)(A) of the FCRA - you are required to "...promptly DELETE all information which cannot be verified." The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.  I demand the following accounts be verified or deleted immediately.
Regards,
[redacted]

July 22, 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 13, 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 Associate

March 24, 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 March 17, 2015 regarding the above mentionedconsumer's rebuttal of our response to his complaintAn Extended Security Alert has been added to the consumer's credit report. This message, which willexpire after 7 years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consentIn his rebuttal, the consumer states "I am attaching the police report and FTC ID Theft Report alongwith the list of fraud related items". I was unable to locate these attachments.We have mailed a current credit report directly to the consumer for review. If the consumer hasadditional information regarding disputed information, please provide it Please specify the item oraccount name and number along with the consumer's specific disputes and the additional information.Please provide their complete identification information (Social Security number, full name, currentaddress, previous addresses in the last two years and date of birth). Also, please include one copy ofa 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.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.
I will accept this reply I just wanted to respond back with the requested information I didn't want to hit accept and then it be closed without sending this so I wasn't sure on how to do that. I Ccept that it will then be investigated and updated correctly and a new corrected report will be mailedI also mail the disputed infirm futon bit again it is the negative account app serving as [redacted] and this should be removed and there should be no negative or adverse accounts on my credit report.thank you
Regards,
[redacted]

Yes there is a third party company working on my credit

ExperianMarch 22, 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 dated March 11, 2016,...

regarding the above mention consumer's personal credit report.According to our records, the freeze was removed online on January 07, 2015 and is no longer appearing on the consumer's current personal Experian credit report. The consumer sent Experian written request to add the freeze in November 13, 2013, attached please find correspondence. We are in the process of forwarding the report to the consumer for review.Please feel free to contact our office directly if you need further assistance.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]Enclosure[redacted]

I am responding to your email needing an authorized written consent for a 3rd party company to represent my claim ID [redacted]. I authorized the company [redacted] to represent me in this matter. If you need anything else please feel free to...

contact me via email.
 
Thank you,
[redacted]

[redacted] 
[redacted]

June 18, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Better Business...

Bureau:Our office recently received your correspondence of June 10, 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 Associate

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]4, 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]

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.
The company is to send me the signed contract and any other documentation that is my files, not a copy of my credit report showing the information was verified. I did not receive such documents, so they are to delete the information because they failed to comply with the FCRA guidelines. 
Regards,
L[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 sent a copy of my drivers...

license and they have my SS # [redacted]. I need that bankruptcy disputed and removed just like [redacted] and [redacted] have done. I’m not requesting any information. They should be able to help with this info. 
Regards,
[redacted]

Hello, I am emailing you to give my consent on id # [redacted] for the 3rd party to speak and act on my behalf. If you need to get in touch with me for any questions you can email me back at [redacted] or[redacted] or my cell [redacted] Thank...

You.

December 23, 2014Revdex.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 December 16, 2014 regarding the abovementioned consumer's personal credi1 reportWe 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 theinforma1ion 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 itern asrequested 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 Associate

May 6, 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 April 28, 2015 regarding the above-mentionedconsumer's...

complaint.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 collectedthe information from a public record source such as a court or other government office. We ask thefurnisher or the vendor to conduct a thorough and complete investigation to verify all of theinformation regarding the disputed item, and report back within the time frame required by law. Wereview and consider the response to determine whether to accept it, reject it, or follow up foradditional 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, asappropriate, based upon the dispute and the results of our processing. If we do not receive aresponse from the furnisher or the vendor within the required period, we update the item as requestedor 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. After we complete ourprocessing, we send the consumer the results.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 narne, 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 me directly if you have any questions.Sincerely, [redacted]Senior Regulatory Affairs Associate

August 11, 2015Revdex.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]Ref: [redacted]Dear Revdex.com:Thank you for your recent correspondence dated August 3, 2015, regarding the above mentionedconsumer. Our records indicate that we previously conducted an investigation regarding the disputedinformation and have provided the results of our investigation directly to the consumer on July 31,2015.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, underthe FCRA, to add a 100-word statement specifying the nature of their dispute. The statement willappear with the item as long as the item remains on the credit report. Any further concerns regardingthe disputed information may need to be directed to the creditors reporting this information. If theconsumer has any additional supporting documentation regarding the disputed information, pleaseforward that to my attention for review.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting company'srole in the dispute process is to investigate information to determine the accuracy and completenessof any disputed item by contacting the source of the disputed information and informing them of allrelevant information regarding the consumer's dispute. The Federal Trade Commission'scommentary does not require that the consumer credit reporting company obtain documentation suchas the actual signed sales slips, signature cards, contracts, etc.; nor does it require that consumercredit reporting companies act as mediators or negotiators in account disputes.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]

::::: ExperianDecember 14, 2015Revdex.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 December 7, 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).

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]

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 has  unvalidated accounts that remain on my credit report and is in violation of 15 U.S.C. § 1681. They are required under the FCRA to have properly validate the accuracy of an account listed on my credit report. They continue to state  that they “verified” that these items are being “reported correctly”. I asked multiple times to be provided with the documents that were used to validate these accounts. What is the name of the person in their company who verified and validated these accounts? What documents did they use to verify and validate them? I wold like to be provided with the name of that individual, their business address, and telephone number. Experian must be willing and able to produce a document that they have in their files that proves the account(s) in dispute belong to me and the information being reported is accurate and they also must be able to do this in a court of law if I file a lawsuit against them. Someone in their company must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account(s) and all that has ever transpired for the alleged account(s), under oath and under the penalty of perjury. As I am sure that they are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sourcesThe Courts have also ordered that a “Reinvestigation” that merely shifts the burden back to the consumer and the credit grantor cannot fulfill the obligations imposed by § 1681(a)(4). They have ignored my request to provided me with the documents that they have in their files that they used to verify and validate the disputed accounts which means that they have NOT validated or cannot verify any of these accounts and under Section 611 (5)(A) of the FCRA – as they are required to “…promptly DELETE all information which cannot be verified or validated.” The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if they fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be validated or deleted immediately. Name Of Account: [redacted]
This account in question was also not validated and removed from my [redacted] credit file (attached document).
Regards,
[redacted]

Dear Revdex.com:Our office recently received your correspondence of May 24, 2017, regarding the above mentioned consumer's personal credit report.We apologize for any inconvenience the consumer experienced in their previous telephone contact with Experian. Appropriate actions are being...

taken to ensure that any customer service issues are addressed. In the future, the consumer may contact me directly at the number listed below and I will assist them in any way that I can.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.Sincerely, [redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726[redacted]CC. [redacted]