Experian

[redacted] 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 youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted] ***

Dear Revdex.com:Our office recently received your correspondence of July 25, 2017, 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)According to the Fair CreditReporting 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.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 Credit 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 accessed by others with a permissible purposeThese inquiries may affect your credit score.Other inquiries for your Credit information are considered "soft" inquiries and do not affect your Credit scoreSome examples are: your current creditors to monitor your accounts, other Creditors who want to offer you preapproved credit, an employer who wishes to extend an offer of employment, a potential investor assessing the risk of a current credit obligation, an end user to complete your mortgage loan application, and insurance underwriting (auto or home)These inquiries appear under the heading "Inquiries shared only with you" on your personal Credit report and are not seen by anyone but you (except insurance companies may be able to see other insurance Company inquiries).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] On behalf of [redacted] *** Senior Regulatory Affairs Associate Experian Consumer Affairs

Yes a 3rd party is representing me in this compliantHere is their name and address [redacted] ** ***

Attn [redacted] I have authorized a third party to file a complaint on my behalf against Experian(ID [redacted] in your system.) Below is the information from the third party: [redacted] Sincerely, [redacted] ***

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 resolvedHOWEVER, CAN THE BUSINESS EXPERIAN PLEASE RESPOND BACK TO THE Revdex.com WITH THE EXACT DATE THAT MY EXPERIAN CREDIT REPORT WILL BE MAILED PLEASE I AM ASKING FOR A COMMON COURTESY RESPONDS THANK YOU [redacted] Regards, [redacted]

June 12, 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 4, 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

::::: ExperianDecember 14, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of December 4, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher of the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and 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 Regards, [redacted] ***

January 9, 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 2, 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]

:::::: ExperianFebruary 4, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] * [redacted] Complaint ID # [redacted] Dear Better EUsiness Eureau.Our office recently received your correspondence of February 1, regarding the above mentioned consumer's complaint.Today I 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 security of her Experian credit report and / or personal information, she may call me directly at 214-726– [redacted] and will assist her in any way that I can.We have forwarded her complaint to our Fraud / Security Department for research and investigationAdditionally, an Initial Security Alert has been added to the consumer's credit reportThis message, which will expire after days, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.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 ***C? [redacted] * [redacted]

June 29, 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 21, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the Consumes the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***

Dear RevDex.com:Our office recently received your correspondence regarding the above mentioned consumer's personal Credit report.A personal Credit report, by law, must list all parties that have requested a consumer's Credit history. ACCording to the Fair CreditReporting Act, Credit... grantors with a permissible purpose may inquire about Credit information. Requests for your client's credit history remain on the personal credit report for 2 years. The federal Fair CreditReporting Act (the "FCRA") section 604 outlines permissible purposes of Consumer reports.The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. The consumer may wish to contact the creditor directly for that information.Therefore, we must respectfully deny the consumer's request to remove the inquiries. If I may be of further assistance you, please feel free to contact me directly.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services 214726 ***

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 May 8, 2017, regarding the above mentioned consumer's personal credit report.We have mailed a current credit report directly to the consumer for reviewIf there is additional 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, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.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 credit 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 accessed by others with a permissible purposeThese inquiries may affect your credit score.Other inquiries for your credit information are considered "soft" inquiries and do not affect your Credit scoreSome examples are: your current creditors to monitor your accounts, other Creditors who want to offer you preapproved credit; an employer who wishes to extend an offer of employment, a potential investor assessing the risk of a current Credit obligation, an end user to complete your mortgage loan application, and insurance underwriting (auto or home)These inquiries appear under the heading "Inquiries shared only with you" on your personal Credit report and are not seen by anyone but you (except insurance companies may be able to see other insurance company inquiries)contact the furnisher or the vendorAfter we complete our processing, we send the Consumer the , - reSultS.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] There was a dispute completed , in reference to the Inquries and the [redacted] cable acctthere is also a disputed listed for [redacted] that I stated was not mineThe Inquries are as follows [redacted] Fact data ran numerous times

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 I have enclosed the email that was sent to me for the deletion of my Credit report and also a copy of my spouses Credit Report toThis is vital information that can be used by the courts against Diamond resorts Financial 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 29, regarding the above mentioned consumer's rebuttal of our response to his complaint.We are presently 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.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 thepersonal credit report.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).Thank you for allowing me to assist youPlease contact me directly at [redacted] if you have any questions.Sincerely, [redacted] ***

September 21, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] Dear Revdex.com.Our office recently received your correspondence of September 12, 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, 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.Please forward the consumer's specific disputes along with the consumer's complete identification information including Social Security number previous addresses in the last two years and date of birth).Upon receipt of this information, we will process the Consumer's request.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] ***

September 15, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] REFi [redacted] Dear Revdex.com.Thank you for your recent correspondence of September 6, regarding the above mentioned consumer's Experian credit report.Our records indicate that we have previously investigated US BKPTCT CASACRAMENTO #1236617RSBInvestigations were initiated on 04/27/and 03/10/The information was verified as accurately reported at the source: US Bankruptcy Court in Sacramento, CA.If a bankruptcy was dismissed or withdrawn, it appears on the 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 Completion of the bankruptcy, the fact that the case was documented allows it to appear on the personal Credit report.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 sourcePlease refer to your original credit report for the source name, address and telephone number (if available)If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us 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 at if you have any questions[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

March 15, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: Renee Tullier Complaint ID # [redacted] REF# [redacted] Dear RevDex.com.Our office recently received your correspondence of March 7, regarding the above mentioned consumer's personal credit report.Our records indicate that we have previously contacted the data furnishers to verify the accuracy of the information with which the consumer disagreesThe disputed information was verified as accurately reported and confirmation was mailed to the consumer for review.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 creditors reporting 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 regarding the disputed information, they may forward that to us 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 ***

ExperianApril 20, 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 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 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] ***