Experian

August 17, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted]Dear Revdex.com.Our office recently received your correspondence of August 9, 2016 regarding...

the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information. In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher of the vendor. Investigations can take as long as 30 days to reach a conclusion. After we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]

January 16, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF#: [redacted]Complaint ID # [redacted]Our office recently received your correspondence of January 8, 2015, 2015 regarding the abovementioned consumer'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 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]

YES, THERE IS A THRID PARTY COMPANY WORKING ON MY BEHALF[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]

:::::: Experian[redacted]December 23, 2015Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID: [redacted]REF# [redacted]Dear Los Angeles Revdex.com:Our office recently received...

your correspondence of December 15, 2014 regarding the above mentioned consumer's personal credit report.An Extended Security Alert has been added to the consumer's credit report. This message, which will expire after 7 years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.Today | contacted the [redacted] Police Department by telephone and it was determined that the provided ID theft police report is not valid.Our records indicate that we previously conducted investigations regarding the disputed information, providing a copy of the provided invalid police report directly to the creditor for review. The creditor verified the accuracy of the disputed information on November 19, 2015 and again on December 11, 2015. Results of the investigation were provided directly to the consumer along with a request that the consumer contact the creditor directly. The Consumer can refer to the original personal credit report for the source business name, address, and phone number (if available).If the consumer has additional information regarding the disputed information, please forward it directly to me 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 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]

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]

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 correspondence of March 27, 2017, regarding the above...

mentioned consumer's personal Credit report.By federal law, the personal credit report must list all organizations that have requested your Credit history. In accordance with the Fair CreditReporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about Credit information. For example, organizations that have granted you creditor with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your Credit report. Requests for your credit history remain on the personal Credit report for at least two years.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 duestions.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]CC [redacted]

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

mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information. In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. Investigations can take as long as 30 days to reach a conclusion. After we complete our processing, we send the Consumes the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]

I [redacted] give my consent for [redacted] to work with you on my behalf. Any other questions please feel free to contact me via email or phone [redacted] thanks again! [redacted]

We have mailed a current credit report directly to the consumer for review. If the consumer has additional inforrnation regarding disputed information, please provide it. Please specify the item or account name and number along with the consurners specific disputes and the additional information. Please provide typir complete identification inforrnatjon (Social Security number, full narne, current address, previous addresses in tre last two years and date of birth). Also, please include one copy of a governrnent issued i&ntification card, such as a drivers license, state ID card,etc., and one copy of a utility bill, bank or insurance statement, etc.When a consumer disputes the accuracy or completeness of inforrnation on the personal credit report and tells us specifically why they believe the inforrnation is inaccurate or incomplete, we process thedispute as required by law. We contact 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 inforrnation rewding the disputed item, and report back within thetime fratme required by law. We review and consider the response to determine whether to acceg* 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 frat information, or modifythat information, as appropriate, based upon the dispute ard the results of our processirg. If we donot receive a response from the fumisher or the vencbr within the required period, we update the itemas requested or delete the information, In sorne instances, upon reviewing the credit file and any relevant inforrnation submitted to us, we are able to determine whether the disputed informationshould 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 tre 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 informationAccording to the Fair Credit Reporting Act (FCRA), a national corsumer credit reporting agencVs role in the dispute process is to review the accuracy and completeness of any disputed item which mayinclude contacting the furnisher of the information or the vendor that collected tre information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant inforrnation regarding the consuner's dispute. In order to help resolve the consurrer's dispute, Experian will review all relevant docurnents subrnitted by theconsumer with the dispute and will forward st-Eh documents to ttE furnisher if Experian is unable to resolve the issue based on those documents. Consumers also contact creditors directly todispute iterns reported by the creditor. If the issue is not resolved, then tre corsum•er credit reportingagency must offer to include a consurner staternent on the personal credit report.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).Thank you for allowing ræ to assist you. Please contact directly ifyou have any questions.Sincerely,[redacted]
Senior Regulatory Affairs Associate Experian Consurrer Affairs[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 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.
[redacted]
[redacted]

I have authorized the third party to file this complaint on my behalf.

July 2, 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 June 25, 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 resul1s 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

January 27, 2017Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID #[redacted]REFi [redacted]Dear Revdex.com.Our office recently received your correspondence of January 19, 2017 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] MCE Experian Consumer Affairs Senior Regulatory Affairs Associate 214726 4159CC [redacted]

Dear Revdex.com:Our office recently received your correspordence of October 9, 2017 regarding the above mentioned consumer's personal credit report.Our records indicate that we contacted Nissan regarding account and UnitedConsumer Final. Account # on January 25, 2017, November 14, 2016,...

August 26, 201 6, February 5, 2014 and again on February 26, 2013, to verify the accuracy of the information with which the consumer disagrees. In each instance, the creditor verified the information as accurately reported Results of the irwestigations were provided to the consumer at the conclusion of each irwestigation.The investigation results for the last investigation were mailed to the consumer on February 21 , 2017 indicating the items had been deleted. However a notification was sent to the consumer on July 19,2017 and July 20, 2017, indicating that the data furnishers have now confirmed the accuracy of the deleted items; therefore, they have been re-added.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 processtheir dispute as required by law. We contact the furnisher of the data to verify the accuracy of the disputed information.If the consumer disagrees with the results of the reinvestigation, it is the consurner's legal right, under the FCRA, to add a 100-word statement specifying the nature oftheir 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 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 regardingthe disputed information, they may forward that to us for review.Because Experian has verified that the information is accurate as reported, we must respectfully decline the consumer's request to remove the disputed information from the personal credit report. Please contact me directly at if you have any questions.Sincerely,
[redacted]On Behalf of [redacted]Experian Consumer Affairs
[redacted]

May 19, 2016Revdex.com 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 May 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. Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]Sincerely,

Dear Revdex.com:Complaint ID # [redacted]Our office recently received your correspondence of October 11, 2017, regarding the above-mentioned consunner's Experian credit report.If a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal credit report because every...

action that relates to credit ray becorne part of the credit history. So even though thecourt did not allow the filing of the bankruptcy or the bankruptcy did not through, tre fact that the case was documented allows it to appear on the personal credit reportAccording to the Fair Credit Reporting Act (FCRA), Section 605 (d) (I), 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 dismissedfwithdrawn status will remain on the consumer's Experian credit report for seven years from the filing date.Experian strives to achieve a high level of customer service for all the consumers they assist. Let r-rE 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[redacted]