Experian

Dear Revdex.com:Our office recently received your correspondence of September 11, 2017, regarding the abovementioned 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.We store address information as it is sent to us by your Credit grantors or from information Contained in public recordsOne or more sources of information reported the address you questioned and it is a part of your credit historyIf you believe an address in your credit report is inaccurate, you may want to contact the source of the information directlyPlease contact us by phone if you need additional assistance to determine the specific sources of particular address information on your Credit report.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 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 disputeIn 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 documentsConsumers may also contact creditors directly to dispute items reported by the creditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement 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 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 me directly if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

Our office recently received your correspondence regarding the above-mentioned consumer's rebuttal of our response to their complaint.An Extended Security Alert has been added to the consumer's credit report on July 22, Thismessage, which will expire after years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted] ***

I am requesting the removal of a collection that has been placed on my Experian Credit ReportI do not know their source of information due to this but the contract was cancel and their no contract for the collection that was place from NORTHSTAR LOCATION SERVICES,LLC (BARCLAYS BANK DELAWARE) Acct # [redacted] I have made several attempts to contact them by mail and phone calls and they have refuse to send me valid information that I went into contract with this collection company and they are refusing to remove this collection off of my credit reportI am requesting the removal of this collection from my Experian Credit ReportI'm asking that this collection be removed as soon as possible and would like to receive confirmation that this collection has been removed by receiving a new credit report in the mail

September 10, 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 September 1, regarding the abovementioned consumer's personal credit reportWe 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 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 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 itern asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the 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 assist Let 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 AssociateConsumer Affairs Special Services [redacted] ***

September 29, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Complaint ID [redacted] REFi [redacted] Dear Revdex.com.Our office recently received your correspondence of September 22, 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 me directly if you have any duestions.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

Dear Sir/Madam.Our office recently received your correspondence dated August 14, 2017, regarding the above mention consumer's personal credit report.According to our records, the disputed Chapter Dismissed Bankruptcy is not appearing on the Consumer's current personal Experian Credit reportWe are in the process of forwarding the report to the Consumer for review.Thank you for allowing me to assist youPlease feel free to contact our office directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

November 22, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com.Our office received your correspondence of November 9, on November 22, regarding the above mentioned Consumer's 3rd rebuttal of our response to her complaint.The Consumer states "here are pieces of mail with my address"Although the provided documentation does include the Consumer's address, we are notable to determine if the documents are indeed a recent utility bill, bank statement or insurance statementAdditionally the consumer did not include a copy of a government issued identification card such as a driver's license, state ID card or military ID card.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 statement 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 Of Issue (Statement date:S must be recent)We are unable to accept Credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.The consumer can forward this information directly to my attention at Experian Consumer Affairs, P.OBox 1240, Allen, TX 75013.Thank you for allowing me to assist youPlease Contact me directly at [redacted] if you have any questions.Sincerely, [redacted]

July 21, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Ref #: [redacted] Complaint # [redacted] Dear Revdex.com:Our office recently received your correspondence dated July 9, 2015, regarding the above mentionedconsumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we willprovide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directlyby letter, telephone, or through an automated verification systemWe ask the source to check theirrecords to verify all of the information regarding the item questioned, and report back to us within 30days of the date that we received the consumer's requestOnce we receive their response, we sendthe consumer the results of the investigationIf we do not receive a response within days weupdate 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 disputeprocess is to investigate the information to determine the accuracy and completeness of any disputeditem by contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's disputeIf the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit reportThe FCRAdoes not require that the consumer reporting agency obtain documentation such as the actual signedsales slips, signature cards, contracts, etc.; nor does it require that consumer reporting agencies actas mediators or negotiators in account disputesPlease forward any documentation directly to thecreditor for review.Please refer to the original Experian personal credit report for the business name, address, and phonenumber (if available) of the source that verified the information.If I may be of further assistance, please contact me directly.Sincerely, [redacted] Senior Regulatory Affairs Associate

I [redacted] authorize the complaint and yes I have a 3rd party company, name [redacted] Please if you need more information, you can call me at [redacted] ***thank you

April 30, 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 April 23, 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

Dear Revdex.com.Our office recently received your Correspondence of December 8, regarding the above mentioned consumer's Experian credit report.We are presently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of the investigation directly to the Consumer.Regarding the consumer's Complaint received on [redacted] , our records indicate we provided the creditor with a copy of the consumer's complaint along with our request for investigationThe creditor responded to us on O/21/confirming the accuracy of the account as it appeared on the Credit reportWe provided the results of the investigation to the Consumer by mail on the same date along with a complete Credit report.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 disputeIn 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 documentsConsumers may also contact creditors directly to dispute items reported by the CreditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.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 informationTherefore, 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.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 duestions.Sincerely, [redacted] ***

Revdex.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 February 6, regarding the above mentioned consumer's rebuttal of our response to his complaint.Our records indicate that the disputed information does not appear on the consumer's current Experian credit reportWe have mailed an Experian credit report directly to the consumer for review.Thank you for allowing me to assist youPlease contact our office if you have any duestions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs

Yes there is a third party working on it

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 Dear, Experian , concerns (1) The security freeze and (2) I tried to contact EXPERIAN mnay times concerning [redacted] that is on my Experian credit report and [redacted] charged me for service I did Not use I have proof that I did not use the [redacted] serviceI want Experian to remove the [redacted] from my credit report Equifax credit reporting agency removed [redacted] from my Equifax credit reportExperian should do the same, and remove [redacted] from my Experian credit reportI am supplying documentation that to this Revdex.com complaint that I did NOT use the [redacted] service Thank you *** [redacted]

I [redacted] am Authorizing [redacted] to file a complaintOn my behalf and confirm that complaint ID # [redacted] was submittedBy the third party.Thank you [redacted]

I, [redacted] ***, gave *** the consent to follow up on this complaint for me [redacted]

I do not accept the response because the [redacted] account is obsolete and not attached to any account as well as the [redacted] and the [redacted] accountsAll accounts are obsolete, not attached to any accounts so baffled as to why it is an issue with the deletion of the of the old accounts in which Ms [redacted] has the authority to removeI am not asking for anything that is not within the FCRAAlso, asking for the way in which the creditors are disputed as well as requesting who verified the accounts if Ms [redacted] does not delete as I would need to pursue further assistance from a legal aspect and would need this information is the only reason I requestedI am within my rights to request this information of the credit bureauI am hoping that I am explaining clearly and Ms***, see that I am entitled to the removal of the four obsolete creditors, [redacted] , [redacted] , [redacted] and [redacted] ***Thank you both in advance

I authorize for [redacted] to file a complaint on my behalf, there address is [redacted] *** texas My name is [redacted] *** I authorize them to do all correspondence on my behalf.Thanks [redacted] ***

December 9, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com.Our office recently received your Correspondence of December 2, regarding the above mentioned Consumer's complaint.An Extended Security Alert has been added to the consumer's Credit reportThis message, which will expire after years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.We have mailed a current Credit report directly to the consumer for reviewIf there is information appearing on a Credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples 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 bePlease 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 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]

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 company claims they need an excessive amount of my personal information in order to find my accountIt has not been made clear why that level of information is necissary or that it relates to my issueHas also not been made clear how this information can be disclosed in a confidential manner Regards, [redacted] ***