Experian

*** In the customer’s statement of the problem, the writer refers to the consumer in the third person and refers to him as “our client” This definitely indicates 3rdparty representation of the consumerIn order for us to proceed, we must know who the 3rd party representative is and we must have letters of representation from the 3rd party regarding this consumerWe would require a letter from the attorney on his letterhead indicating his contact information and his representation of the consumer along with consumer’s complete ID information and a POA signed by the consumer Please reference the complaint ID number also.Once we receive this information, we will respond to the complaint [redacted] Senior Regulatory Affairs Associate [redacted]

Our office recently received your correspondence of regarding the above-mentioned consumer's rebuttal of our response to their complaintI contacted the consumer directly by telephone and answered his questions regarding the refund for the Security Freeze feeI informed him that we are in the process of issuing a refund for the $fee the consumer was charged to place the security freeze.If the consumer has questions or concerns regarding his Experian credit report in the future, he contact rye directly and I will assist him in any way that I can.Thank you for allowing to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consurner Affairs [redacted] ***

To Whom It May Concern, Here is the 3rd party name and address [redacted] ***I [redacted] give consent to authorize this complaint

Dear Revdex.com:Our office recently received your correspondence dated August 14, 2017, regarding the above mentioned consumer's Credit report.A personal Credit report, by law, must list all parties that have requested a consumer's credit historyAccording to the Fair CreditReporting Act, credit grantors with a permissible purpose may inquire about Credit informationRequests for your client's credit history remain on the personal credit report for yearsThe federal Fair CreditReporting Act (the "FCRA") section outlines permissible purposes of consumer reports.The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer's profileThey are only logged on the report, when in fact, an inquiry was madeA record of this activity, pursuant to federal law, must remain a part of recordPlease note that Experian does not receive a copy of any applications made to credit grantorsThe consumer may wish to contact the creditor directly for that information.Therefore, we must respectfully deny the consumer's request to remove the inquiriesIf I may be of further assistance you, please feel free to contact me directly.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

::::: ExperianDecember 4, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of November 24, regarding the above mentioned consumer's personal credit report.We are in the process of updating the consumer's Experian credit report per the information providedUpon completion of this process, we will provide an updated credit report directly to your client for review.Experian seeks to report a consumer's credit history accuratelyDelinquencies that occur after the petition date but before the discharge date are part of a consumer's credit history as they occur at a time when the consumer has not yet been discharged from the debtExperian does not report delinquencies occurring after the debt has been discharged.When you use credit, a record of your payment history is stored along with the respective accountThe monthly payments leading up to a bankruptcy discharge tells that account's historyUnless the history is inaccurate, it cannot be deletedAccounts included in a bankruptcy (other than those under Chapter 13) will no longer indicate that a balance is owed.To ensure that the creditors correctly reports the account and that your account continues to be reported as included in bankruptcy, you must send the creditor a copy of your bankruptcy filing and a schedule of debts included in bankruptcyWe recommend that you call the creditors and ask for the address Where the dOCUments should be mailed and Send the documents Via Certified mail SO that the appropriate person receives your information.Any account included in a bankruptcy remains on the personal credit report for a maximum of seven years from the date the bankruptcy was either filed or dischargedThe bankruptcy itself, listed in the public record information section of the credit report, remains for seven years from the filing date if it was a Chapter 13, or years from the filing date if it was a Chapter 7, or 12.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

August 11, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com.Our office recently received your correspondence of August 3, regarding the above mentioned consumer's rebuttal of our response to his complaint.We are presently investigating the information with which the consumer disagrees based upon the consumer's Consumer Financial Protection Bureau (CFPB) complaint received on 7/19/A copy of the consumer's CFPB complaint was provided to the creditor for reviewUpon completion of this process, we will provide the results of the investigation directly to the consumer.Regarding the consumer's complaint received on 6/24/2016, we provided the creditor with a copy of the consumer's complaint along with our request for investigationThe creditor responded to us on 7/13/confirming the accuracy of the account as it appeared on the credit report.Regarding the consumer's complaints received on 2/9/and 4/6/2015, the disputed information has been previously investigatedA letter had been sent to the consumer requesting additional relevant information before we could investigate the disputed information again.Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing information.Therefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency.Thank you for allowing me to assist youPlease contact me directly at [redacted] if you have any questions.Sincerely, [redacted]

July 7, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of June 26, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take aslong as days to reach a conclusionAfter 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 recordPlease 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Yes there is a third party working on my credit [redacted] [redacted] [redacted] [redacted] *** [redacted]

December 9, 2014Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] REF #: [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of December 9, regarding the abovementioned consumer's complaint.An Extended Security Alert has been added to the consumer's credit reportThis message, which willexpire after years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.We have mailed a current credit report directly to the consumer for reviewIf there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdisputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent orincluded in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed inerror"If the status dates, amounts, balances or other specific data is incorrect, the consumer shouldalso indicate what the correct information should bePlease specify the item or account name andnumber.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 dateof birth)Also, please include one copy of a government issued identification card, such as a driver'slicense, 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 assistLet meassure you that Experian takes its committeemen efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly at ###-###-#### if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Our office recently received your correspondence of August 24, regarding the above mentionedconsumer's rebuttal of our response to her complaint.We have mailed a current credit report directly to the consumer for reviewIf the Consumer has additional information regarding disputed information, please provide itPlease specify the item or account name and number along with the consumer's specific disputes and the additional informationPlease provide their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID Card, etc., and one copy of a utility bill, bank or insurance statement, etc.Thank you for allowing me to assist youPlease contact me directly if you have any questions[redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***

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.Written information from [redacted] dated 11/04/was provided to Experian by myselfThe letter makes it clear with the following statement," A review of our records indicates that your loan was paid in full effective June 18, 2014"Experian refuses to accept the letter and continuesto report the loan was sold to another lenderMy contention is if a loan is paid in full how can it be sold to another lender.Experian must remove the "sold to another lender" statement from my credit file 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 Not only had Experian Been in communication with Sterling, Sterling advised them to delete the inquiry times already and has not yet done so claiming that it is factual when the company stating TO had placed it on there has admitted that it is not factual 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 results are inaccurate! I requested to have a copy of the signed contract, Drivers License , Birth certificate , and social security card that was presented when this car was purchasedPlease allow for a re investigation Regards, [redacted] ***

Good afternoon, Enclosed please find the copy of letter from [redacted] in response to Experian denying having copies of her driver’s license and utility companies documentations If you have any questions, please feel free to contact [redacted] or myself [redacted] at [redacted] Thank you, [redacted] Assistant to [redacted]

October 29, Revdex.com Serving San Diego and Imperial Counties Viewridge Ave., # San Diego, CA RE: [redacted] ** [redacted] Ref#: [redacted] Complaint ID # [redacted] Dear Revdex.com: Our office recently received your correspondence of October 21, regarding the above mentioned consumer's complaint Today I attempted telephone contact with Mr [redacted] and left a detailed message with my contact informationIf Mr [redacted] continues to have questions or concerns regarding his Experian credit report or difficulty placing a security freeze on his credit report, he may call me directly at ###-###-#### and I will assist him in any way that I can Mr [redacted] may also submit his request electronically at www.experian.com/uploadPlease be sure to include the following information: His full name including middle initial (and generation such as JR, SR, II, Ill), Social Security number, complete addresses for the past two years, date of birth, one copy of a government issued identification card, such as a driver's license, state ID card, etcand one copy of a utility bill, bank or insurance statement Make sure that each copy is legible and displays your 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 proofThere is no fee for placing a security freeze Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions Sincerely, [redacted] Senior Regulatory Affairs Associate

July 8, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] ***REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of June 29, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take aslong as days to reach a conclusionAfter 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 recordPlease 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

April 1, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID [redacted] Dear Revdex.com:Our office recently received your correspondence of March 24, regarding the above mentionedconsumer's personal credit report.To assist you, we must verify the consumer's current delivery addressPlease send us one copy of agovernment 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, etcMake sure that each copy is legible(enlarge if necessary), displays the consumer's name and current mailing address, and the date ofissue (statement dates must be recent)We are unable to accept credit card statements, voidedchecks, 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

:::::: ExperianFebruary 22, 2016Revdex.com Serving San Diego, Orange and Imperial Counties 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, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take as long as days to reach a conclusionAfter 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 recordPlease 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 assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease 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 I am asking for proof that the investigation was completed.Please answer the following questions:What certified documentation was reviewed to conclude your investigation?Please provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA:Who did you speak with?What was the date? How long was the conversation?What was their position?What number did you call?What is the name of your employee that spoke directly to the firm to verify this information?What is the position of your employee that spoke directly to the firm to verify this information?This inaccurate reporting has caused me severe emotional and financial distressPlease reply to the above questions, or delete the accounts Regards, [redacted] ***

February 2, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] ***REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of January 26, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon 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 lawWe 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 MailWe 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 lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, 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 processingIf 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 vendorInvestigations can take aslong as days to reach a conclusionAfter 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 recordPlease 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 assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate