Experian

I authorize this complaint #[redacted].  The 3rd party filing for me is [redacted].Thank you,[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.
Still didn't solve my complaint or concerns regarding the incorrect information being reported on my credit file
Regards,
[redacted]

Dear Revdex.com:Our office recently received your correspondence of August 28, 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 yoli have any questions.Sincerely,[redacted] Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted]

September 22, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE Jose Payes Complaint ID #[redacted]Dear Revdex.com.Our office recently received your correspondence of September 13, 2016 regarding the...

above 6mentioned consumer's personal credit report.We are currently investigating the disputed 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. 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.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).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 disclosing all 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 if you have any questions.Michael LonerganSenior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]Sincerely,CC [redacted]

Dear Revdex.com:complaint 'D # [redacted]Our office recently received your correspondence of September 26, 2017 regarding the above-mentioned consumer's rebuttal of our response to her complaint.We have mailed a current credit report directly to the consurner for review. If the consumer has additional inforrnatjon regarding disputed inforrnation, please provide it. Please specify the item or account name and number along with the consumers specific disputes and the additionalinformation. 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, pleaseinclude one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance staternent, etc.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 disclosing all relevant information regarding the consumer's dispute. In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by theconsumer 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 todispute 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.Thank you for allowing me to assist you Please contact me directly jf you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs214 726 [redacted]

[redacted] strives to achieve a high level of customer service for all the consumers they assist. Let assure you that [redacted] 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[redacted] 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.
[redacted] #[redacted]   The response by the Experian representative is informative, but it has no merit to my credit profile.   According to the Experian website [redacted] states that indefinite accounts refer to “open accounts” with no negative history.    It states, (1) “Open account with no negative payment history: remain as long as they are open and active.”   My Experian report lists neither accounts from [redacted] are open/active they list as closed.  Although, they do not accurately show the dates of closure so they do not meet the standard of remaining on Experian Credit report as indefinitely, because they both closed in 2006.   (2) Closed accounts with no negative payment history: remain 10 years for the date they are closed.    This supports my statement that Experian removes the payment history allowing negative credit history to change from derogatory to positive credit and extends the length of the account, but will leave all negative statements for a total of 11 years; this a gross negligence against the FTC of rules by resetting reporting periods.  Experian does this in order to leave negative history attached to a consumer file.    Because of this information, Experian has removed payment history from the accounts from [redacted] and other that are due to expire so they can remain.   The history of credit reports from 2009 to 2013 derogatory credit history has been attached to [redacted]. The first account for [redacted] for (344,000), is listed under negative accounts, on Experian credit report dated 4/29/2010 the credit report status: Foreclosed: account history:  Foreclosure as of Jun 2009: foreclosure proceeding started as of Sep 2008, Aug 2008, Jul 2008, Jun 2008, May 2008, Apr 2008, Mar 2008, Feb 2008, Jan 2008, Dec 2007, Nov 2007, Oct 2007, Sep 2007, Feb 2007, Jan 2007, 150 days, past due Dec 2006, Oct 2006; 120 days past due Aug 2007, Nov 2006, Sep 2006; 90 days past due as of Jul 2007, Jul 2006, Jun 2006; 30days past due May 2007, May 2006, Apr 2006; This account is scheduled to continue on record until Jan 2013.   The second account for [redacted] for (86,000), status: transferred, closed: account history show on 4/29/2010, 150 day past due as of Oct 2006; 120 days past due as of Sep 2006; 90 days past due as of Aug 2006, 60 days past due as of Jul 2006, 30 days past due Jun 2006, May 2006; creditor’s statement; “account transferred to another lender.”   Reports dated 2010, 2011, and 2012 are the same until 2013 when the account should have been removed.  [redacted] (86,000) moved from negative to positive and the negative payment history was completely removed and changed to 2006 to: “ok” for Feb- Apr, with “ND” from May-Nov and Dec reads “ok” and 2007, Jan “CLS” now the status reads transferred, closed/never late.  This account is scheduled to continue on record until Jan 2017.  Extending the dates of reporting from 7 years to 11 years.    As for the [redacted] (344,000) in 2013 when it should have been removed it too payment history was removed and extended to 2016.  If the representative would also refer to Experian report dated 10/24/2011 on [redacted] it clearly shows Experian intent on credit reporting laws.  The account from [redacted] gives a status detail that says, “by Oct 2017, this account is scheduled to go to a positive status with an account history showing over a 120 days delinquency which never recovered.  Experian plans to do the same type of violation to this account as well because once the information was stated they removed the credit history.  Once again they remove negative history to extend reporting date, is in violation of 15 U.S.C. § 1681c Section 605.       (3) Positive accounts remain on your credit report longer than negative accounts   Late payments remain seven years from the original delinquency date.  A single late payment is deleted at seven years.  If there was a series of late payments (not paid at 30 days, or 60 days, or 90 days) and then brought current, the payment would be deleted seven years from the first one missed in the series.  If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late and was never again current.  This is known as the original delinquency date.      [redacted] accounts was never positive and should be deleted.  The account histories are false because the dates of current payments apply after the account foreclosed in 2007, according to ** County records, so this history is inaccurate as well as the date of foreclosure that Experian is reporting on the report.      [redacted] accounts, should have been deleted in 2013, not the current scheduled for removal in 2016, nor 2017.  This inaccuracy confirms the inaccurate reporting made by Experian.    Experian is reporting shows that there was no break in the negative dates of history the account from [redacted] until 2013 when it should have been removed according to law and because it did not is violates and goes beyond the statute of limitations indirect violation of 15 U.S.C. § 1681c Section 605.     In October 2006, the accounts were closed, one account was transferred, both foreclosed, and neither recovered from default in 2006, which lead to a foreclosure in 2007. Experian even violates its own policies when it comes to the reporting of accounts listed on my Experian report.  I would like to have both accounts removed, they are in violation of government laws.

Dear Revdex.com:Our office recently received your correspondence of Au: Ist 22 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 narr rate 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 of other government office either electronically or by US Mail. We ask the furnisher or the vendot 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: A 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 anti the results of our processing. If we do notrequested or delete the information, in some instances it. "slewing the credit file and any relevant information submitted to us, we are able to determine whet: title 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 infrerinati 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 origina! 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] Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted]

June 17, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted]Dear Los Angeles Revdex.comOur office recently received your correspondence of June 10, 2016 regarding the above mentioned consumer's rebuttal of our response to his complaint.Our records indicate that we previously investigated [redacted] on 6/6/2016 and 4/28/2016 per the consumer's request. In both instances the creditor responded that the account was accurate as reported. Results of the investigations were provided directly to the [redacted]
Because the information was confirmed accurate with the creditor, we must respectfully decline the request to remove it from the Experian credit report.Our records further indicate that we received requests for investigation from the consumer on 4/11/2016 and 2/12/2016. Based on the information provided by the consumer in those requests, the account was not appearing on the Experian credit report. We responded to the consumer each time indicating the same, providing a complete Experian credit report for review.If the consumer disagrees with the results of the investigations, it is their 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 will need to be directed to the source of the information. Please refer to the original personal credit report for the furnisher name, address, and phone number (if available).If the consumer has additional information regarding the disputed information, please forward it directly to my attention for review.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]

Yes there is a third party working on my credit.[redacted]
[redacted]
[redacted] Thank you.[redacted]

August 18, 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 10, 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 consumes.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 of 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 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 me directly if you have any questions.Sincerely,[redacted]
[redacted]

Consumer is not going to send personal information such as a government ID or SSN through e-mail, however, a recent Experian report number will be provided to access records. The credit report #[redacted] is . The credit file was provided on November 23, 2013. The cover page of the credit report number can be provided as an attachment.

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.
This is unacceptable.. Experian has not yet shown proof that I owe the debt.. And I they never responded back to one of my disputes.. This is against the law and they should be reported.. Can you please take the incorrect information off my credit report..  Regards,
[redacted]

Our office recently received your correspondence regarding the above mentioned consumer's personal credit profile.We are currently investigating the disputed [redacted] account(s) with which the consumer disagrees. Upon completion of this process, we will provide the results of our...

investigation directly to the consumer.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, wemust 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.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 disclosing all 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 todispute 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.Thank you for allowing me to assist you. Please contact our office if you have any questions.

Hello,I was requested to send you a letter that it is ok for [redacted] to contact you on my behalf.  I am ok with this.  Please let me know if you need anything else.[redacted]

January 26, 2016Eetter BUSiness Eureau Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: Theresa Day Complaint ID: [redacted] REF# [redacted]Dear Eetter Business Eureau.Thank you for submitting your complaint dated 01-21-2016, 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.
They have had more than 30 days to investigate  this matter and have not sent me any information regarding this dispute, this is the second time the company just responds with we will investigate. I want the incorrect negotiation deleted immediately and am updated report sent. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. The canned response provided does not remediate my problem. The company in question has sent numerous requests to Experian requesting an update. I have myself sent numerous requests to Experian to have these records updated as well. The item in question has not been updated by Experian since 2015. This indicates that they have not reviewed or updated their records upon my dispute or the company's request. The erroneous mark on my credit reporting indicates a clear violation of fair credit reporting practices. I have included documentation from [redacted] indicated their numerous attempts to have this corrected for review as well.
Regards,
[redacted]

May 23, 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 13, 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,

Dear Revdex.comOur office recently received your correspondence of September 20, 2017, regarding the above mentioned Consumer's complaintWe apologize for any inconvenience the consumer experiences. 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 lie litti, at the number listed below and I will assist them in any way that I canUsing the identification information you provided, we are Inalia to locate a credit record for the abovementioned consumer. The consumer either has no credit history, or additional identification information is needed in order to access the Credit information Feass forward the consumer's specific disputes along with the consumer's complete identification information (Social Security number, full name, current address previous addresses in the last two years and date of birth).Experian strives to achieve a high level of customers 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 direct it is have any questions.Sincerely[redacted] Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted]