Experian

November 18, 2016Revdex.com Serving [redacted], Orange and Imperial Counties 4747 Viewridge Ave., #200[redacted], CA 92123[redacted]
[redacted]
Dear Revdex.com.Thank you for your recent correspondence of November 14, 2016 regarding the...

above mentioned consumer's Experian credit report.Our records indicate that we have previously investigated [redacted] Investigations were initiated on 09/28/2016, 09/13/2016, 08/12/2016, O2/O2/2012 and 09/29/2011. In each instance our vender verified the accuracy of the bankruptcy along with the Consumer's full name, address and last four digits of his Social Security number at the US Bankruptcy Court in [redacted]Judgments, Tax Liens and Bankruptcies are a matter of public record. Although 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data directly from the Court's public records and supply that information to Experian.If a bankruptcy was dismissed or withdrawn, it appears on the personal Credit report because every action that relates to credit may become part of the credit history.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.When a consumer disputes the accuracy or completeness of information on their personal credit report and tell 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. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the item the Consumer disputed, and report back within 30 days of the date that we 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 or the vendor within the required period, we update the item as requested or delete the information, and send 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, as appropriate, based upon the dispute and the results of our processing. In some instances, upon reviewing the Credit file and any relevant information the consumer has 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. After we complete our processing, we send the consumer the resultsIf the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the [redacted], 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, the US Bankruptcy Court in [redacted]. 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.Sincerely,[redacted]

Dear Revdex.com:Our office recently received your correspondence of May 24, 2017, regarding the above mentioned Consumer's personal credit report.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]

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

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]

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...

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

the above mentioned consumer's personal credit report.We are currently investigating the bankruptcy information with which the consumer disagrees. Upon completion of the investigation process, we will provide the results directly to the consumer.Judgments, Tax Liens and Bankruptcies are a matter of public record. Although 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 Experian.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. 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. 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 the source of the information directly or review the original information in the public record. Please refer to the original personal credit report for 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]
[redacted]

October 23, 2014
Revdex.com
Serving San...

Diego and Imperial Counties
4747 Viewridge Ave., #200
San Diego, CA 92123
RE [redacted]
REF# [redacted]
Complaint ID # [redacted]
Dear Revdex.com:
Our office recently received your correspondence of October 20, 2014 regarding the above mentioned
consumer's personal credit report.
Our records indicate that we have previously contacted the data furnisher to verify the accuracy of the
information with which the above mentioned consumer disagrees. The disputed information was
verified as accurately reported and confirmation was mailed to the consumer for review.
If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under
the FCRA, to add a 100-word statement specifying the nature of their dispute. The statement will
appear with the item as long as the item remains on the credit report. Any further concerns regarding
the disputed information may need to be directed to the creditors reporting this information. Please
refer to the original personal credit report for the furnisher or public records office name, address, and
phone number (if available). If the consumer has any additional supporting documentation regarding
the disputed information, they may forward that to us for review.
Experian strives to achieve a high level of customer service for all the consumers they assist. Let me
assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you
for allowing me to assist you. Please contact me directly if you have any questions.
Sincerely,
[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]

December 8, 2014Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of December 2, 2014 regarding the abovementioned...

consumer's personal credit report.We are currently investigating the [redacted] account# [redacted] account with which theconsumer disagrees. Upon completion of this process, we will provide the results of our investigationdirectly to the consumer.Our records indicate that the [redacted] account does not appear on the consumer's current Experiancredit report.Unfortunately, we are unable to honor a request to place credit information into the consumer'spersonal credit report. We do not add data to our database from private parties since we would beunable to verify or maintain the data. We receive credit information from credit grantors whosubscribe to our services and public record information from vendors who collect it from the courts orother government offices. Some creditors may choose to report their data to the other consumer creditreporting agencies, and they may not report it to us.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

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

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]

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]

September 1, 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 August 20, 2015 regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by law. We contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by law. We review and consider the response to determine whether to accept it, rejectit, or follow up for additional information. If, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processing. If we do notreceive a response from the furnisher or the vendor within the required period, we update the 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]

::::: 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).

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]

Revdex.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 rebuttal of May 5, 2017, regarding the above mentioned...

consumer's complaint.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error". If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or aCCount name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth). Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely, [redacted]
[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]

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]

:::::: ExperianMarch 10, 2016Better Business Eureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted]REF# [redacted]Dear Eetter EUSiness Eureau.Thank you for your recent correspondence dated March 1, 2016, regarding the...

above mentioned consumer's Experian credit report.Our records indicate that we have previously investigated the disputed information appearing on the consumer's Experian credit report. Regarding the disputed information, investigations were initiated on 11/18/2015. In this instance, the information was verified as accurately reported and confirmation was mailed to the Consumer for review.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the data 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. 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). If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosingall relevant information regarding the consumer's dispute. In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly at if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services 214 726 [redacted]

January 15, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID [redacted]Dear Revdex.com:Our office recently received your correspondence of January 7, 2015 regarding...

the above mentionedconsumer'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 item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submi11ed 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 me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

Problem: Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.Desired Outcome: Correction to a credit report I want Experian to investigate and remove the accounts that do not belong to me from my credit report.