Experian

RE. [redacted] Complaint # [redacted]Ref # [redacted]Dear Revdex.com.Our office recently received your correspondence dated October 6, 2015, 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.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification system. We ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within 30 days of the date that we received the consumer's request. Once we receive their response, we send the consumer the results of the investigation. If we do not receive a response within 30 days we update 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 dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's dispute. If the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit report. The FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputes. Please forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (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 Associate Consumer Affairs Special Services [redacted]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] L. [redacted] Complaint ID # [redacted]REF# [redacted]Dear Revdex.com:Our office recently received your correspondence of June 5, 2017 regarding the above mentioned consumer's rebuttal of our response to their complaint.We have mailed a current Experian 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. We are unable to investigate inaccurate information on the Credit report without knowing which item or account is inaccurate along with the specific nature of the inaccuracy. Please specify the item(s) or account name(s) and number(s) along with the specific dispute(s).Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] On behalf [redacted] Experian Consumer Affairs Senior Regulatory Affairs Associate 214. 726 [redacted]CC. [redacted] L. [redacted]

April 20, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 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 are currently investigating the disputed information. Upon completion of this process, we will provide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification system. We ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within 30 days of the date that we received the consumer's request. Once we receive their response, we send the consumer the results of the investigation. If we do not receive a response within 30 days we update 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 dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's dispute. If the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit report. The FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputes. Please forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directly.[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]
Sincerely,

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 never received any method of validation either by email or via us postal mail or information regarding the accuracy of the reports sent to the CRAs.
Regards,
[redacted]

I [redacted]  do give [redacted]   [redacted] to be a third party to act on my behalf. Thank you

June 14, 2017Revdex.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 June 7, 2017 regarding the above mentioned consumer's rebuttal of our response to her complaint.We have mailed a current credit report directly to the consumer for review. If the consumer has additional information regarding disputed information, please provide it. Please specify the item or account 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, 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.In order to remove a fraud alert from the consumer's Experian credit report, we need the request in writing along with her complete ID information, one copy of a government issued identification card, such as a driver's license state or military ID card, etc. and one copy of a recent utility bill, bank or insurance statement, etc. Please forward the request directly to my attention, once received we will promptly comply with her request.Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726[redacted]CC. [redacted]

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE Robert Duncan Complaint ID #[redacted]REF# [redacted]Dear Revdex.com:Our office recently received your Correspondence of March 3, 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 me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs 214. 726 [redacted]CC [redacted]

October 5, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID #[redacted]REFif [redacted]Dear Revdex.com.Our office recently received your correspondence of September 27, 2016 regarding the...

above mentioned consumer's personal credit report.An Initial Security Alert has been added to the consumer's Credit report. This message, which will expire after 90 days, alerts Credit grantors to verify the Consumer's identification in case someone is using their information without their Consent.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.If you believe you are a victim of fraud, you may want to contact your local law enforcement agency to make an identity theft report. The identity theft report should include as many of the following elements as possible: specific dates such as when the loss or theft of personal information occurred or when the fraud(s) occurred, how you discovered or learned of the theft, any known information about the perpetrator, the names of creditors and account numbers involved in the theft, name and/or badge number of the law enforcement personnel who processed the report, the filing date and case number. You may find the following suggestions helpful:Protect Yourself First, make sure an Initial Security Alert or Extended Fraud Victim Alert is on file with all nationwide Consumer Credit reporting agencies. If you request an alert with us, we will share your request with the other nationwide Consumer Credit reporting agencies, Equifax and TransUnion.inform the Sources Contact each source of information, including Creditors and public record offices, and inform them that the acCount is fraudulent.Document all Contacts Make notes of everyone you spoke with, ask for names, department names, phone extensions, record the date you spoke to them.Understand the Process Each creditor may have a different process for handling a fraud claim. Make Sure you understand exactly what is expected from you, and then ask What you can expect from the Creditor. At the conclusion of a dispute, ask the creditor for a document that states you are not responsible for the debt.Follow Up Make sure everything the creditor or credit reporting agency has requested is received. It is always a good idea to place a follow up call or send a letter for Confirmation.Review Reports Regularly We suggest that you routinely request new copies of your personal credit report to review.Don't Throw Away Files Keep all notes and correspondence in an accessible file in case they are needed in the future.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] Senior Regulatory Affairs Associate Consumer Affairs Special Services 214726 4159CC [redacted]

June 28, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]
[redacted]Dear Revdex.com.Our office recently received your correspondence of June 20, 2016 regarding the above...

mentioned consumer's Experian credit report.Our records indicate that we have not previously received this complaint from the Revdex.com.Our records indicate that we previously investigated the disputed bankruptcy with which the consumer disagrees. Our vender verified the information as accurately reported. Results of the investigation were provided to the consumer at the conclusion of each investigation.If a bankruptcy was dismissed or withdrawn, it appears on your client's personal credit report because every action that relates to credit may become part of the credit history. So even though the court did not allow the filing of the bankruptcy or the bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal credit report.According to the Fair Credit Reporting Act (FCRA), Section 605 (d) (1), if a bankruptcy is withdrawn before a final judgment "the consumer reporting agency shall include in the report that such case was Withdrawn".The bankruptcy dismissed/withdrawn status will remain on the consumer's Experian credit report for seven years from the filing date.Thank you for allowing me to assist you. Please contact our office if you have any questions.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.
Regards,
[redacted]This is not acceptable for by law if a person does not go through with the bankruptcy he or she should not be impacted by the negative file as if he or she went through with it. If I need to get an attorney and Sue the company please advise for it is affecting me in more ways than one. There are cases where cosumers have sued for damages and won. Can't hold this to me when I didn't go through with it...

Dear Revdex.com:Complaint ID # [redacted]Our office recently received your correspondence of September 26, 2017, regarding the above-mentioned consumer's rebuttal of our response to their complaint.In the complaint, the consumer states "I have attached a letter from the US bankruptcy court". I was not able to locate this docurnentation.Our records indicate that we previously investigated the [redacted]. In each instance our vender confirmed the accuracy of the information as reported.Judgments, Tax Liens and Bankruptcies are a matter of public record Although the court where the disputed public records are filed may not report tiis type of data, a vendor may collect this data directly from the cowt's public records and supply that information to Experian. Experian's method of verification for public records complies with the requirements of the Fair Credit Reporting Act (FCRA).Because the information was confirmed accurate, we must respectfully decline the consumer's request to remove the disputed information from their Experian credit report.If the consurner has any additional supporting documentation regarding the disputed information, they may forward it directly to rre for review.Thank you for allowing to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs
[redacted]

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

September 21, 2015Revdex.comServing San Diego, Orange and Imperial Counties47 47 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of September 9, 2015 regarding the...

abovementioned consumer's personal credit 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 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 itern 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]

March 19, 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 10, 2015 regarding the above mentionedconsumer's rebuttal of our response to his complaintWe are presently investigating the information with which the consumer disagrees. Upon 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 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).Thank you for allowing me to assist you. Please contact me directly at ###-###-#### if you have anyquestions.Sincerely,[redacted]Senior Regulatory Affairs Associate

July 24, 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 16, 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]

May 13, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge 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, 2015.[redacted] inquiries. By federal law, your personal credit report must list all organizations that haverequested your credit history. In accordance with the Fair Credit Reporting Act, entities who havecertified to Experian that they have a permissible purpose may inquire about credit information. Forexample, 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 years. Inquiries 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 purpose. These 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 law. We contact the furnisher of the information or the vendor thatcollected the information from a public record source such as a court or other government office. Weask 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 30 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 information. If 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 processing. In 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 vendor. After 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 record. Please 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 you. Please contact me directly ifyou have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

September 15, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID #[redacted]REFi [redacted]Dear Revdex.com.Thank you for your recent correspondence of September 6, 2016 regarding the above...

mentioned consumer's Experian credit report.Our records indicate that we have previously investigated US BKPTCT CASACRAMENTO #1236617RSB. Investigations were initiated on 04/27/2016 and 03/10/2016. The information was verified as accurately reported at the source: US Bankruptcy Court in Sacramento, CA.If a bankruptcy was dismissed or withdrawn, it appears on the personal Credit report because every action that relates to credit may become part of the credit history. So even though the court did not allow the Completion of the bankruptcy, the fact that the case was documented allows it to appear on the personal Credit report.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 source. Please refer to your original credit report for the source name, address and telephone 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 at if you have any questions.[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Dear Revdex.com:Our office recently received your correspondence dated August 14, 2017, regarding the above mentioned consumer's Credit report.A personal Credit report, by law, must list all parties that have requested a consumer's credit history. According to the Fair CreditReporting...

Act, credit grantors with a permissible purpose may inquire about Credit information. Requests for your client's credit history remain on the personal credit report for 2 years. The federal Fair CreditReporting Act (the "FCRA") section 604 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 profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. The consumer may wish to contact the creditor directly for that information.Therefore, we must respectfully deny the consumer's request to remove the inquiries. If I may be of further assistance you, please feel free to contact me directly.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

January 6, 2016Eetter BUSiness Eureau Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: [redacted] Complaint...

ID: [redacted] REF# [redacted]
Dear Eetter Business Eureau.Thank you for submitting your complaint dated 12-23-2015, regarding the above mentioned consumer. We appreciate that your office took the time to let us know about their experience with our company.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.For additional assistance, the consumer may call me directly at [redacted], or write to Experian at P.O. Box 1240, Allen, TX 75013. 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 Sir/Madam:Our office recently received your correspondence regarding tre above-mentioned consumer's personal credit report.According to our records, the disputed bankruptcy appears as stated on the consumers current Experian credit report, as having been filed on April 9, 2016.Experian strives...

to achieve a high level of customer service for all the consumers they assist. Let assure 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 AssociateExperian Consumer Affairs
[redacted]