Experian

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

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] ***

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] ***

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

January 31, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com:Our office recently received your correspondence of January 23, regarding the above mentioned consumer's personal credit report.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 blocked the fraudulent items from the consumer's Experian credit report and notifying the respective Creditors of our actionsAt the conclusion of this process, we will forward an updated Experian Credit to the Consumer for review.Our records indicate that the disputed [redacted] account does not appear on the Consumer's Current Experian Credit report.If there is additional information appearing on a Credit report that is believed to be inaccurate or incomplete, for example unauthorized inquiries, we must have a specific disputePlease specify the stem Os aCCOUnt name and number.According to the Fair Credit Reporting Act (FCRA), a national Consumer Credit reporting agency's role in the dispute process is to review the accuracy and Completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a Court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the Consumer's 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 reportExperian 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]

[redacted] *** *** ** [redacted] This is the third party u requested information about [redacted]

June 28, 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 April 21, regarding the above mentioned consumer's personal credit report.Our records indicate that we have not previously received this complaint from the Revdex.com.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] ***

ExperianMay 10, 2016Revdex.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 with additional information of May 2, regarding the above mentioned consumer's personal credit reportAn 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.Based on our review of the request and the information previously provided to us by the consumer, we have determined that we require additional information that the consumer must provide in order for us to act upon the request to block information from the Experian credit reportHowever, 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.If you still wish to have this information blocked, please submit an identity theft police report without the following deficienciesThe report does not reference identity theft.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]

Dear Revdex.com:Our office recently received your correspondence of September 6, 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.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 accurate 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 are 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, lipoi I 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 inform it is 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 Complete, ss 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 this 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 is 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, thin they may want to contact the furnisher of the information directly or review the original lifornlistic)in 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).By federal law, your personal Credit report must list all organizations that have requested your Credit historyIn accordance with the Fair CreditReporting Act entities who have certified to Experian that they have a permissible purpose may inquire about Crecht informationFor 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 reportRequests 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 reportThese inquiries display on your Credit report when it is accesses; 3y others with a permissible purposeThese inquiries may affect your Credit ScoreOther inquiries for your credit information are considered soft" inquiries and do not affect your credit scoreSome examples are: your current Creditors to mcilloryotir accounts, other Creditors who want to offer you pre approved Credit, an employer who wishes to extend an offer of employment, a potential investor assessing the risk of a current credit (...ligation an end user to complete your mortgage loan application, and insurance underwriting alto of rome)These inquiries appear under the heading "Inquiries shared only with you" on your pers Inai Credit report and are not seen by anyone but you (exceptinsurance companies may be able: to see other insurance Company inquiries).Experian strives to achieve a high level of customer service for at 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 AssociateExperian Consumer Affairs [redacted] ***

November 18, 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 November 9, regarding the above mentioned consumer's personal credit report.We are currently investigating the Discharged Chapter Bankruptcy filed 12/24/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 a Dismissed Bankruptcy does not appear on the consumer's current Experian credit report.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]

April 20, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint # [redacted] Ref # [redacted] Dear Revdex.com.Our office recently received your correspondence dated April 11, 2016, regarding the above mentioned consumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we will provide the results of our investigation directly to the consumer.If a bankruptcy was dismissed or withdrawn, it appears on your client's personal credit report because every action that relates to credit may become part of the credit historySo even though the court did not allow the filing of the bankruptcy or the bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal credit reportThe bankruptcy dismissed/Withdrawn status will remain on your client's report for seven years from the filing date if it was a Chapter 7, 11, of 13.Thank you for allowing us to assist you regarding this matter.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

Dear Revdex.com:Our office recently received your correspordence of October 9, regarding the above mentioned consumer's personal credit report.Our records indicate that we contacted Nissan regarding account and UnitedConsumer FinalAccount # on January 25, 2017, November 14, 2016, August 26, 6, February 5, and again on February 26, 2013, to verify the accuracy of the information with which the consumer disagreesIn each instance, the creditor verified the information as accurately reported Results of the irwestigations were provided to the consumer at the conclusion of each irwestigation.The investigation results for the last investigation were mailed to the consumer on February , indicating the items had been deletedHowever a notification was sent to the consumer on July 19,and July 20, 2017, indicating that the data furnishers have now confirmed the accuracy of the deleted items; therefore, they have been re-added.When a consumer disputes the accuracy or completeness of information on their personal credit report and tell us specifically why they believe the information is inaccurate or incomplete, we processtheir dispute as required by lawWe contact the furnisher of the data to verify the accuracy of the disputed information.If the consumer disagrees with the results of the reinvestigation, it is the consurner's legal right, under the FCRA, to add a 100-word statement specifying the nature oftheir disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information may need to be directed to the creditors this informationPlease 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 regardingthe disputed information, they may forward that to us for review.Because Experian has verified that the information is accurate as reported, we must respectfully decline the consumer's request to remove the disputed information from the personal credit reportPlease contact me directly at if you have any questions.Sincerely, [redacted] On Behalf of [redacted] ***Experian Consumer Affairs [redacted] ***

RE: [redacted] ID # [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of June 12, 2017, regarding the above mentioned consumer's personal credit report.Weapologize for any inconvenience the consumer experienced in their previous telephone contact with ExperianAppropriate actions are being taken to ensure that any customer service issues are addressedIn the future, the consumer may contact me directly at the number listed below and I will assist them in any way that I can.if 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 our office if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC [redacted] ***

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] ***

Dear Sir/Madam:Our office recently received your correspondence dated August 15, 2017, regarding the above mention consumer's personal Credit report.According to our records, the disputed [redacted] account 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.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 you.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs

November 2, 2014Revdex.comServing San Diego and Imperial Coun1iesViewridge Ave., #200San Diego, CA RE: [redacted] REF #: [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of November 19, regarding the abovementioned consumer's rebuttal of our response to his complaint.he Fair Credit Reporting Act (FCRA) states in section (a) (3) "no consumer reporting agencymay make any consumer report containing paid tax liens which, from the date of payment, antedatethe report by more than seven years'.Each national consumer credit reporting agency may interpret the requirements of the Fair CreditReporting Acdifferently and each company has their own policies and guidelines for disputinginformationTherefore, we cannot update or delete information in our database based on the resultsof a dispute with another consumer credit reporting agency nor can we dispute information for aconsumer with another consumer credit reporting agency.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

November 7, Revdex.com Serving San Diego and Imperial Coun1ies Viewridge Ave., # San Diego, CA RE: [redacted] REF #: [redacted] Complaint ID # [redacted] Dear Revdex.com: Our office recently received your correspondence of October 30, regarding the above mentioned consumer's complaint Not all creditors report credit information to all three of the credit bureausFor this reason, each bureau's credit report can have different information causing credit scores from bureau to bureau to vary, at times by a substantial amount 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 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 at [redacted] if you have any questions Sincerely, [redacted] Senior Regulatory Affairs Associate

Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA RE [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com: Our office recently received your correspondence of September 28, regarding the above mentioned consumer’s personal credit reportWe 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 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 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 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 Experian 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) Revdex.comServing San Diego, Orange and Imperial CountiesOctober 7, 2015Page

RE [redacted] Complaint # [redacted] Ref # [redacted] Dear Revdex.com.Our office recently received your correspondence dated October 6, 2015, regarding the above mentioned consumer's Experian credit report.We are currently investigating the disputed informationUpon 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 systemWe ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within days of the date that we received the consumer's requestOnce we receive their response, we send the consumer the results of the investigationIf we do not receive a response within 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 disputeIf the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit reportThe 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 disputesPlease 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.If I may be of further assistance, please contact me directly.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***