Experian

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

April 6, 2016Bettes Business Bureau 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 March 30, 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 informationIn 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 Consumes the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public 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] ***

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

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]

Our office recently received your correspondence of October 17, 2017, regarding the above-mentioned consurner's rebuttal of our response to their complaint.Our records indicate that we previously investigated the [redacted] on 04/11/14, 07/05/17, 09/20/17, 10/0417, arri 10/05/In each instance our vendor confirmed the accuracy of the inforrnation as reported.Judgrnents, Tax Liens and Bankruptcies are a matter of public recordAlthough tre court where the disputed public records are filed trey not report this type of data, a vendor may collect this datadirectly from the court's pubic records and supply that information to ExperianExperian's method of verification for pudic records complies with the requirements of the Fair Credit Reportirg Act (FCRA).When a consumer disputes the accuracy or com*teress of inforrnation 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 collectedthe information from a public record source such as a court or other government officeWe 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 tirne frane required by lawWe review and consider the response to determine whetter to acceF [redacted] it, reject it, or follow up foradditional informationIf, after processirg we find that disputed information is inaccurate, incomplete or cannot be verified, we ttpn delete that information, or rnodify that information, asappropriate, based upon the dispute and the results of our processingIf we do not receive a response from the fumisher or vendor within the required period, we update the item as requestedor delete the information, In son-e instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorAfter we complete our processing, we send the consumer the results.Because the inforrnation was confirrrpd accurate, we must respectfully decline the corsumer's request to rennove the disputed inforrnation from their Experian credit reportIf the consurner has any additional supporting documentation regarding the disputed inforrnation, they may fomard it directly to for review.Thank 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] ***

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]

Please see the attached written consent for *** In case you may have any problems in opening the document, it reads below: [redacted] statement on behalf of [redacted] *** [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]

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

Dear Revdex.com:Our office recently received your correspondence of September 5, 2017, regarding the abovementioned consumer's personal credit report.We are currently investigating the disputed bankruptcy information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the Consumer.Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).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 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, 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 Experian Consumer Affairs [redacted] ***

Hello I'm [redacted] , and yes there is a complaint as well as third party.Third party: [redacted] *** [redacted] Please resume research of the complaint.Thanks

August 4, 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.Today | attempted telephone contact with the consumer and left a detailed message with my contact informationIf the consumer continues to have questions or concerns regarding his Experian credit report he may call me directly at [redacted] and I will assist him in any way that I can.According to our records, the [redacted] Home Mortgage account appears as stated on the consumer's current Experian credit report, as having an original delinquency date of October 2011, three months prior to [redacted] acquiring the account from [redacted] Per the federal Fair Credit Reporting Act (FCRA), this account will remain on the credit report no longer than seven years from that dateOctober A copy of the current Experian credit report is being mailed directly to the Consumer for review.If the consumer has additional information regarding this account, please forward it directly to me.Thank you for allowing me to assist youPlease contact me directly if you have any questions.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 April 25, regarding the above mentioned consumer's rebuttal of our response to her complaintWe are Currently investigating the dispute Ally Financial with which the consumer disagreesUpon Completion of this process, we will provide the results of our investigation directly to the consumer.Our records indicate that the disputed Creditors Service Bure does not appear on the consumer's Current Experian credit report.Additionally, our records indicate that the Recovery Specialist account appears as stated on the Consumer's Current Experian Credit report, as having been paid in fullA copy of the current Experian credit report is being mailed directly to the consumer for review.A "paid Collection account" means that the account is paid, but the credit grantor had sent the account to an internal Collection department, hired an attorney or contracted with a collection agency to collect the paymentsThis information will remain on the personal credit report for seven years from the initial missed payment that led to the collection.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 itemas 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).Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] on behalf of [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs214726***CC [redacted]

September 29, 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 21, 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 officeWe ask thefurnisher or the vendor to conduct a thorough and complete investigation to verify all of the informationregarding the disputed item, and report back within the time frame required by lawWe review andconsider the response to determine whether to accept it, reject it, or follow up for additionalinformation If, after processing, we find that the disputed information is inaccurate, incomplete orcannot be verified, we then delete that information, or modify that information, as appropriate, basedupon the dispute and the results of our processingIf we do not receive a response from the furnisheror the vendor within the required period, we update the item as requested or delete the information, Insome instances, upon reviewing the credit file and any relevant information submitted to us, we areable to determine whether the disputed information should be changed or deleted without having tocontact the furnisher or the vendorAfter we complete our processing, we send the consumer theresults.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 you Please contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer 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 Regards, [redacted] The inaccurate fraudulent info is as follows [redacted] added an inquiry on 06/11/2016Theres two [redacted] that arent mineaccount numbers [redacted] [redacted] accounts are not minesI never had any of these student loansand This also Includes this account from [redacted] Ive never had any student loans [redacted] was also an account ive never opened nor had any credit card withIf you wish me to correspond by mail to you about this very same info I can just give me a direct mailing address please!

June 11, 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 June 3, 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

::::: ExperianNovember 3, 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 October 26, 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 informationIn 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 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 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 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.Regards, [redacted] I have told them that the date of the repo is wrongIf I got a new car in October then how can the repo be in DecemberWhy would I get anther car in OctoberThe balance is wrong as wellThe balance was a cancellation of debtAnd one more thing by law I have the right to everything in my filesThat includes who did the verifying at this [redacted] bureau and anything I ask for I have the right forI asked them for information on who they talked to at [redacted] and the phone number along with the addressAnd my lawyer said by law that have to give me that informationHow do I supposed to fix things and get it right if I don't know who to callIt should be in my filesWhat do you want me to do call [redacted] and just say hey this [redacted] bureau called you do you remember them asking questions about my accountThat's why it's important to find out who at the [redacted] bureau did the verifying and who at [redacted] they talked toThis will come off my report but all the aggravation and the time and many letters I've spent on this and still not rightI'm taking the next step if I do not receive what I wantI do have a lawyer ready to take action if they want to take this courseMaybe if they did the verifying correctly and not by the code system people would believe what's in there reportsThe problem is no one called [redacted] because if they did they would send me what I wantSo I know for sure the dates is wrong and the balance is wrongIt's funny that the balance was a zero six months ago and I do have proof of that

[redacted] Thank you for allowing me to assist youPlease co&ct our office if you have any questionsSincerely, [redacted] Senior Regulatory Affairs AssociateExperian Consurner Affairs [redacted] ***

ExperianSeptember 9, 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 29, regarding the above mentioned Consumer's complaint.Today attempted telephone contact with the Consumer and left a detailed message with my contact informationIf the consumer continues to have questions or concerns regarding the Experian credit report and/or credit score they may call me directly at [redacted] and I will assist in any way that ***In order to investigate the consumer's Complaint, 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 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] ***