Experian

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 July 28, regarding the above mentioned consumer's rebuttal of our response to his complaint.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeWe are unable to investigate inaccurate information on the credit report without knowing which item or account is inaccurate along with the specific nature of the inaccuracyPlease specify the item(s) or account name(s) and number(s) along with the specific dispute(s).Thank you for allowing me to assist youPlease contact me directly at [redacted] if you have anyquestions.Sincerely, [redacted]

June 25, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE P [redacted] ***REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of June 17, regarding the above mentionedconsumer's personal credit report.An Extended Security Alert has been added to the consumer's credit reportThis message, which willexpire after years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.Research indicates that although we have received numerous certified mailings from the consumer in2015, none of them contained the court documents or [redacted] State Police report referenced in hiscomplaintThe consumer may forward this documentation directly to my attention at Experian,Consumer Affairs Special Services, [redacted] or via [redacted] .We are currently investigating the [redacted] and the [redacted] accounts withwhich the consumer disagreesUpon completion of this process, we will provide the results of ourinvestigation directly to the consumer.Our records indicate that we previously conducted investigations regarding the ***, [redacted] , and [redacted] accountsThe creditor verified the accuracy of the accountsResultsof the investigation were provided directly to the consumerIf the results of the investigation arequestioned, the consumer may want to contact the source of the information directlyThe Consumercan refer to the original personal credit report for the source business name, address, and phonenumber (if available).If the consumer still wishes to have this information blocked, please submit a complete, valid, legibleidentity theft police report (an official report filed with an appropriate federal, state, or local lawenforcement agency, including the U.SPostal Inspection service or others, the filing of whichsubjects the person who filed the report to criminal penalties if the information filed is false), Theidentity theft report should include as many of the following elements as possible: Specific dates suchas when the loss or theft of personal information occurred or when the fraud(s) occurred, how youdiscovered or learned of the theft, any known information about the perpetrator, name or badgenumber, and signature of the law enforcement personnel who processed the report, and the filing dateand case numberAlso, please list each account and account number and any other information thatyou believe appears on your credit report due to identity theftIf the consumer does not provide Experian with the required information specified above, they will nothave submitted a valid request to block information in their personal credit report due to an identitytheft and no information will be blocked.Our records indicate that the [redacted] account does not appear on the consumer's currentExperian credit report.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 me directly at [redacted] if you have any questions.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 The issue is not the classification of the appropriate issueThe issue lies within the Online IT solution coming up short in terms of handling exceptions outside of those specific disputes In my example, a business had pulled my credit excessively and immediately realized the mistake They have provided the credit bureau with the proper certified, notarized, letter head asking to remove the inquiries listed When the creditor did not remove my inquiry, I was attempting to provide them the documentation a second time so they can properly remove this They do not allow the option online, so I got on the phone with customer service and was told that they did not have any drop box, e-mail address, or other corresponding means for me to get them the notarized letter they required They did not provide me with a fax option, they only allowed me to spend my own money to provide them, AGAIN, with the letter they already have so they can remove the inquiries After that fact, the customer service agent was rude, and refused to allow me to file a formal complaint over the phone or speak to an immediate supervisor to get the matter resolved Having to resubmit the paperwork again is not a proper solution, nor is it proper to not allow the free online solution to upload and have the company review it Regards, [redacted]

ExperianJuly 8, 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 June 28, 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 of the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by 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 periodWe 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 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] ***

[redacted] has filed a complaint on my behalf Their address is [redacted] Roman","serif Thank youFile # [redacted] (***) and # [redacted] (***

:::::: ExperianMarch 2, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF# [redacted] Dear Eetter Business Eureau.Our office recently received your correspondence of February 23, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services ***

June 12, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] ***REF# [redacted] Complaint ID [redacted] Dear Revdex.com:Our office recently received your correspondence of June 4, regarding the above mentionedconsumer's personal credit report.We are currently investigating the [redacted] account with which the consumer disagrees.Upon completion of this process, we will provide the results of our investigation directly to theconsumer.Regarding the inquiries, we have mailed a current credit report directly to the consumer for reviewIfthere is additional information appearing on a credit report that is believed to be inaccurate orincomplete, 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 datais incorrect, the consumer should also indicate what the correct information should bePlease specifythe 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 dateof birth)Also, please include one copy of a government issued identification card, such as a driver'slicense, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement,etc.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly at ###-###-#### if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved.However, I am not confident that this will resolve the error, considering that I have submitted multiple disputes directly to them prior to my filing the complaint with the Revdex.com In other words, they have said this before Regards, [redacted]

March 3, 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 February 24, regarding the abovementioned consumer's personal credit report.Using the identification information you provided, we are unable to locate a credit record for theabove-mentioned consumerThe consumer either has no credit history or additional identificationinformation is needed in order to access the credit informationPlease forward the consumer'sspecific disputes along with the consumer's complete identification information (Social Securitynumber, 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, stateID card, etcand one copy of a utility bill, bank or [redacted] statement, etc.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 me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

May 14,2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Ref#: [redacted] Complaint #: [redacted] Dear Revdex.com:Our office recently received your correspondence dated May 1, 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 your client.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 ob1ain documentation such as the ac1ual 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

January 19, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of January 13, 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 resul1s 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 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

[redacted] 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] ***

February 13, 2015RevDex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] ***REF #: [redacted] Complaint ID [redacted] Dear RevDex.com:Our office recently received your correspondence of February 13, 2015 regarding the abovementioned consumer's rebuttal of our response to his complaint.Our records indicate that the disputed information does not appear on the consumer's currentExperian credit report. We have mailed an Experian credit report directly to the consumer for review.Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

ExperianJuly 21, 2016RevDex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123 [redacted] Dear RevDex.com.Our office recently received your correspondence of July 14, 2016... regarding the above mentioned consumer's complaint.An Initial Security Alert has been added to the consumer's credit report. This message, which will expire after 90 days, 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 review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows: “not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: “not mine, paid/satisfied, vacated or filed in error". If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name 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.Research does not indicate that we previously received an identity theft police report from this consumer. If the consumer has an identity theft police report (an official report filed with an appropriate federal, state, or local law enforcement agency), please forward it directly to me for review.Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely, [redacted]

January 26, 2016Eetter BUSiness Eureau Serving San Diego and Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123RE: [redacted] Complaint ID: [redacted] REF# [redacted] Dear RevDex.com.Thank you for submitting your complaint dated 1-21-2016, regarding the above mentioned consumer.... We appreciate that your office took the time to let us know about their experience with our company.Please note that Experian received suspicious mail on 12-09-15 and determined that it was not sent by him. There was a phone provided in the letter for the consumer to call Experian to place items under investigation. Our records indicate that we have not received a call back.We are currently investigating the information with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the consumer.For additional assistance, the consumer may call me directly at [redacted] , or write to Experian at P.O Box 1240, Allen, TX 75013. Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

December 22, 2016RevDex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123 [redacted] Dear RevDex.com:Our office recently received your correspondence of December 14,... 2016 regarding the above mentioned consumer's personal credit report.To assist the consumer with this complaint, we must verify the Consumer's current delivery address. Please send us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one Copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays the Consumer's name and current mailing address, and the date of issue (statement dates must be recent). We are unable to accept Credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.The Consumer may send this information directly to my attention at Experian Consumer Affairs, [redacted] ***. The Consumer may also contact me directly at [redacted] with any questions or Concerns. Please include the consumer's disputes and state the specific reason the Consumer believes the information is inaccurate. We will process the request promptly once we receive this information.Experian strives to achieve a high level of Customer service for all the Consumers they assist. Let me assure you that Experian takes its Commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you.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 3, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the bankruptcy information 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 judgment does not appear on the consumer's current Experian 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.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 Experian Consumer Affairs ***CC [redacted] ***

April 26, 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 18, 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.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.|f| may be of further assistance, please contact me directly[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***Sincerely,

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 Experain in not in complacence with the law They are breaking the law as it is writtenI am going to file suit against them in court regarding this and will be filing a formal complaint with our congressman [redacted] ***If their doing to me, then they doing it to thousands of people and your helping them by making them a legitimate businessYou should not take my actions lightly! I am going to pursue all legal means against them and now your business for enabling them to do this to honesty people Regards, [redacted]

Hello, I think I hit the tab button so it sent hello only In response to your request I did authorize [redacted] of [redacted] to pursue the credit companies on my behalf I am an electrical engineer at a company so I am very busy in a day I need to pursue fixing my credit since my ex wife keeps using my ssn for things that I have not authorized Experian never responded but [redacted] and [redacted] did Just to prove my identety is attached my drivers license from [redacted]