Experian

RE [redacted] Complaint ID # [redacted] REF# 133116791Dear Revdex.com:Our office recently received your correspondence of June 6, 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.According to the Fair Credit Reporting Act (FCRA), a national consumer Credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the CreditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.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] MCE Experian Consumer Affairs Senior Regulatory Affairs Associate ***CC [redacted] ***

:::::: ExperianJanuary 12, 2016Better Business Eureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID [redacted] Dear Eetter BUSiness Eureau.Our office recently received your correspondence of January 4, regarding the above mentioned consumer's personal credit report.To assist you, we must verify the consumer's current delivery addressPlease 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, 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 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.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]

September 28, 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 18, regarding the above***tioned 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 govern***t office eitherelectronically or by US MaiL We ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the itern asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian takes its commit***t to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***

March 4, 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.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Dear Revdex.com:Our office recently received your correspondence of July 24, regarding the above mentioned consumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item or account name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, Current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID Card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Experian Consumer Affairs Senior Regulatory Affairs Associate 214726***

May 12, 2016Revdex.com 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 May 4, 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 The credit reporting company has not removed the information as stated in there document ( [redacted] ***) I have sent all laws and documents and they continue to say verified and now want to have a conversation to discuss there letter in writing that they sent meThe only action I will except is the information deleted on there files and web siteExperian is not a honest agency They have been sued in the past and lost with the federal government taking actions against there agency for dishonest praticeThey have effected my lively hood and still are till this day with this incorrect information.1/31/18: The information after further review has more incorrect statement [redacted] has a account on my credit report that has been paid in full and closedExperian is reporting it as paid settlement that never made it to a collection company or agencyI called [redacted] and I quote, they said Experian has a pratice of reporting information to keep people in certain situations and had no idea why Experian would say a negative statement that is not reporting anywhere elseI had write letters and Experian always says verified with no written proof from any clients showing I have accounts or ever had accounts or been late with any payments or anythingI'm at + with the other agencies and with EXPERIANMy next step is to hire a Attorney to sue Experian and need to finish with step with the Revdex.com and Federal government

RE [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of October 12, 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] ***

Yes, there is a third party working on my credit It is ***

Dear Revdex.com:Our office recently received your correspondence of September 5, 2017, regarding the abovementioned consumer's personal credit report.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 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 questionsSincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [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 EXPERIAN refuses to remove my account from my credit report american express accounts clearly state that I am authorize user I requested numerous times EXPERIAN state its valid account I sent evidence sign by the owner account to have me remove experian refuseDesired Outcome: delete account from my credit report

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 [redacted] # [redacted] The response by the Experian representative is informative, but it has no merit to my credit profile According to the Experian website [redacted] states that indefinite accounts refer to “open accounts” with no negative history It states, (1) “Open account with no negative payment history: remain as long as they are open and active.” My Experian report lists neither accounts from [redacted] / [redacted] are open/active they list as closed Although, they do not accurately show the dates of closure so they do not meet the standard of remaining on Experian Credit report as indefinitely, because they both closed in (2) Closed accounts with no negative payment history: remain years for the date they are closed This supports my statement that Experian removes the payment history allowing negative credit history to change from derogatory to positive credit and extends the length of the account, but will leave all negative statements for a total of years; this a gross negligence against the FTC of rules by resetting reporting periods Experian does this in order to leave negative history attached to a consumer file Because of this information, Experian has removed payment history from the accounts from [redacted] / [redacted] and other that are due to expire so they can remain The history of credit reports from to derogatory credit history has been attached to [redacted] The first account for [redacted] / [redacted] for (344,000), is listed under negative accounts, on Experian credit report dated 4/29/the credit report status: Foreclosed: account history: Foreclosure as of Jun 2009: foreclosure proceeding started as of Sep 2008, Aug 2008, Jul 2008, Jun 2008, May 2008, Apr 2008, Mar 2008, Feb 2008, Jan 2008, Dec 2007, Nov 2007, Oct 2007, Sep 2007, Feb 2007, Jan 2007, days, past due Dec 2006, Oct 2006; days past due Aug 2007, Nov 2006, Sep 2006; days past due as of Jul 2007, Jul 2006, Jun 2006; 30days past due May 2007, May 2006, Apr 2006; This account is scheduled to continue on record until Jan The second account for [redacted] / [redacted] for (86,000), status: transferred, closed: account history show on 4/29/2010, day past due as of Oct 2006; days past due as of Sep 2006; days past due as of Aug 2006, days past due as of Jul 2006, days past due Jun 2006, May 2006; creditor’s statement; “account transferred to another lender.” Reports dated 2010, 2011, and are the same until when the account should have been removed [redacted] / [redacted] (86,000) moved from negative to positive and the negative payment history was completely removed and changed to to: “ok” for Feb- Apr, with “ND” from May-Nov and Dec reads “ok” and 2007, Jan “CLS” now the status reads transferred, closed/never late This account is scheduled to continue on record until Jan Extending the dates of reporting from years to years As for the [redacted] / [redacted] (344,000) in when it should have been removed it too payment history was removed and extended to If the representative would also refer to Experian report dated 10/24/on [redacted] it clearly shows Experian intent on credit reporting laws The account from [redacted] gives a status detail that says, “by Oct 2017, this account is scheduled to go to a positive status with an account history showing over a days delinquency which never recovered Experian plans to do the same type of violation to this account as well because once the information was stated they removed the credit history Once again they remove negative history to extend reporting date, is in violation of U.S.C§ 1681c Section (3) Positive accounts remain on your credit report longer than negative accounts Late payments remain seven years from the original delinquency date A single late payment is deleted at seven years If there was a series of late payments (not paid at days, or days, or days) and then brought current, the payment would be deleted seven years from the first one missed in the series If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late and was never again current This is known as the original delinquency date [redacted] / [redacted] accounts was never positive and should be deleted The account histories are because the dates of current payments apply after the account foreclosed in 2007, according to [redacted] County records, so this history is inaccurate as well as the date of foreclosure that Experian is reporting on the report [redacted] accounts, should have been deleted in 2013, not the current scheduled for removal in 2016, nor This inaccuracy confirms the inaccurate reporting made by Experian Experian is reporting shows that there was no break in the negative dates of history the account from [redacted] until when it should have been removed according to law and because it did not is violates and goes beyond the statute of limitations indirect violation of U.S.C§ 1681c Section In October 2006, the accounts were closed, one account was transferred, both foreclosed, and neither recovered from default in 2006, which lead to a foreclosure in Experian even violates its own policies when it comes to the reporting of accounts listed on my Experian report I would like to have both accounts removed, they are in violation of government laws

Yes, I [redacted] working for meThis is valid[redacted] ###-###-####

June 24, 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 16, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

Dear RevDex.com:Today our office received your correspondence of October 26, 2017, regarding the above-mentioned consumer's rebuttal of our response to their complaint.Today contacted the consumer directly by telephone and I was able to answer her questions regarding Midland Funding account information on her Experian credit report.if the consumer has additional questions or concerns regarding her credit report, she may contact me directly at [redacted] and I will assist her in any way that I can.Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

I [redacted] Give [redacted] permission to handle my complaint

June 21, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint # [redacted] Ref # [redacted] Dear RevDex.com.Thank you for your recent correspondence dated June 20, 2016, regarding your clientOur records indicate that we previously conducted an investigation regarding the disputed information on the following datesJune 8, 2016, May 26, 2016, March 9, 2016, March 2, 2016, February 22, 2016, December 9, 2013, and April 28, On each and every occasion the data furnisher for CIT verified the accuracy of the reporting and we have provided the results of our investigation directly to the consumerThis will remain on file for seven years from the original delinquency date that lead up to the charge off, February 2012.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.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their 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 data furnisher reporting this informationIf you have any additional supporting documentation regarding the disputed information, please forward that to my attention for review.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 data furnisherIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit reportThank 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 ***

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

March 28, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] N [redacted] Complaint ID#: [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of February 23, 2017, regarding the above mentioned consumer's rebuttal of our response to his complaint.Our records indicate that the disputed [redacted] account does not appear on the consumer's current Experian credit reportWe have mailed an Experian credit report directly to the Consumer for review.In the complaint, the consumer states "with the proof I am attaching to this letter"I was notable to locate this attachment.Thank you for allowing me to assist youPlease contact our office if you have any questions[redacted] ***Senior Regulatory Affairs Associate

May 19, 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 May 11, regarding the above mentioned consumer's personal credit report.Our records indicate that the disputed information does not appear on the consumer's current Experian credit reportWe have mailed a current Experian credit report directly to the consumer for review.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]