Experian

[redacted]
Thank you for allowing me to assist you. Please contact our office if you have any questions. Sincerely,[redacted]Senior Regulatory Affairs AssociateExperian Consurner Affairs[redacted]

::::: ExperianDecember 4, 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 November 24, 2015...

regarding the above mentioned consumer's personal credit report.Our records indicate that we have contacted the data furnishers 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.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. After we complete our processing, we send the consumer the results.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.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.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

November 29, 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 November 17, 2016...

regarding the above mentioned Consumer's complaint.We have mailed a current 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. 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 andUmber.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 meassure 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]
[redacted]

Revdex.com:
I have reviewed the response made by the business...

in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[I know for a fact the Information provided is inaccurate with the this Bankruptcy you are reporting on my credit. I have attached 2 letters from from sources I was told were used as verification. I have a letter from the court mentioned and PACER. Again, what are the mentions of validation per FCRA you are REQUIRED to verify and not just say you have.]
Regards,
[redacted]

:::::: ExperianFebruary 22, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted]REF# [redacted]Dear Eetter Business Eureau.Our office recently received your correspondence of February 11, 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 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 our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services 214 726 [redacted]

::::: ExperianNovember 4, 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 October 27, 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).Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Dear Revdex.com:Our office recently received your correspondence of July 25, 2017, regarding the above mentioned consumer's personal Credit report.By federal law, your 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.Inquiries from credit grantors who request your credit information as part of your application for Credit will display under the heading "Inquiries shared with others" on your personal Credit report. These inquiries display on your credit report when it is accessed by others with a permissible purpose. These inquiries may affect your Credit SCOre.Other inquiries for your credit information are considered "soft" inquiries and do not affect your Credit score. Some examples are: your current creditors to monitor your accounts, other Creditors who want to offer you preapproved credit, an employer who wishes to extend an offer of employment, a potential investor assessing the risk of a current Credit obligation, an end user to complete your mortgage loan application, and insurance underwriting (auto or home). These inquiries appear under the heading "Inquiries shared only with you" on your personal Credit report and are not seen by anyone but you (except insurance companies may be able to see other insurance Company inquiries).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.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]

To whom it may concernYes there is a third party working on my credit. The third party is [redacted], and it is regarding Experian.Thank you

Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]Dear Revdex.com:On April 25, 2017 our office received your correspondence of April 20, 2017 forwarded to us by Experian Consumer...

Services regarding the above mentioned consumer's complaint.Using the identification information you provided, we are unable to locate a credit record for the above-mentioned consumer. The consumer either has no credit history or additional identification information is needed in order to access the Credit information. Please 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).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 me directly if you have any questions.Sincerely, [redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]CC. [redacted]

Complaint ID #[redacted]Our office recently received your correspondence of March 2, 2017 regarding the above...

mentionedconsumer's personal Credit profile.Today contacted Consumer directly by telephone and we are in the process of addressing herconcerns regarding the Security Freeze.We thank the Consumer for bringing her customer service experience and concerns to our attention. Experian is an international company with offices and employees all over the world.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 and courteous serviceSeriously.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 21472[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.However, I am not confident that this will resolve the error, considering that I have submitted multiple disputes directly to them prior to my filing the complaint with the Revdex.com.  In other words, they have said this before. 
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 April 24, 2017, regarding the above mentioned...

consumer's personal Credit report.To assist you, we must verify the consumer's current delivery address. Please send us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays the Consumer's name and current mailing address, and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.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.[redacted] 
[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs 214726 [redacted]CC. [redacted]

Dear Revdex.com:Complaint ID # [redacted]Our office recently received your correspondence of September 21, 2017, regardirg tre above-mentioned consumer's rebutal of our response to her complaint.We have mailed a current credit report directly to the consumer for review. If the consumer has additional information regarding disputed information, please provide it. Please specify the item or account name and number along with the 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, please include 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 statement etc.Thank you for allowing to assist you. Please contact me directly if you have any questions.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs
[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]

Our office recently received your correspondence of September 11, 2017, regarding the abovementioned consumer's complaint.Using the identification information you provided, we are unable 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. Please 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).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 me directly if you have any questions.[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

July 25, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID #[redacted]REF# 127792649Dear Revdex.com.Our office recently received your correspondence of July 15, 2016 regarding the...

above mentioned consumer's personal credit report.Our records indicate that we have contacted the data furnisher(s) to verify the accuracy of the information with which the consumer disagrees. The disputed 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 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. After we complete our processing, we send the consumer the results.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.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.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services 214 726 [redacted]

May 26, 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 May 14, 2015 regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagrees. Upon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by law. We contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by law. We review and consider the response to determine whether to accept it, rejectit, or follow up for additional information. If, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processing. If we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendor. Investigations can take aslong as 30 days to reach a conclusion. After we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public record. Please referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist. Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

May 12, 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 May 4, 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,

March 30, 2015Revdex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]REF# [redacted]Complaint ID # [redacted]Dear Revdex.com:Our office recently received your correspondence of March 19, 2015 regarding the above mentionedconsumer's personal credit report.In regards to the inquiry done by [redacted] for [redacted] on September 26, 2014.Experian will permit access to consumer credit files with security freezes for the purposes cited in theMassachusetts HB 4144 subsections (a-i). Experian will allow to the extent otherwise allowed bystatute, any property and casualty insurer licensed by the commonwealth for use in rating orunderwriting [redacted] policies.If the consumer has any questions or concerns regarding the inquiry made by [redacted] they canbe contacted at ###-###-####.Experian strives to achieve a high level of customer service for all the consumers they assist. Let rneassure 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

Dear Revdex.com, yes there is a third party working on my behalf, [redacted]. Please reply to me if further actions are required.Regards, [redacted]