Experian

Our office recently received your correspondence of October 6, 2017, regarding the above-mentioned consumer's complaint.Today I attempted telephone contact with the consumer ard left a detailed message with my contact informationWe apologize for any confusion ttE security freeze notification letter the consumerreceived n•ey have causedIf the consumer continues to have questions or concerns regarding their Experian credit report and/or security freeze they may call me directly at 214726- [redacted] and I will assist them in any way that I can.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 direcdy if you have any questionsSincerely, [redacted] ***Senior Regulatory AffairsExperian Consurner Affairs [redacted] ***

April 27, 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 19, regarding the above mentioned consumer's complaint.Our records indicate that we have not previously received this complaint from the Revdex.com.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, 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 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]

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 Still didn't solve my complaint or concerns regarding the incorrect information being reported on my credit file Regards, [redacted]

July 2, 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 25, 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

I authorize this complaint # [redacted] The 3rd party filing for me is [redacted] .Thank you, [redacted] ###-###-#### [redacted]

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: Robert [redacted] Complaint ID # [redacted] REF #: [redacted] Dear Revdex.com:Our office recently received your rebuttal of May 11, 2017, regarding the above mentioned consumer's complaintWeapologize for any inconvenience Mr [redacted] experienced in his previous telephone contact with ExperianAppropriate actions are being taken to ensure that any customer service issues are addressedIn the future, the consumer may contact [redacted] directly at the number listed below and Mr [redacted] will assist Mr [redacted] in any way that he can.An Extended Security Alert has been added to the consumer's credit report on April 6, This message, which will expire after years, alerts Credit grantors to verify the Consumer's identification in case someone is using their information without their consent.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item or aCCOUnt name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Thank 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 [redacted] CC [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 rebuttal of May 5, 2017, regarding the above mentioned consumer's complaint.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item or aCCount name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***

ExperianJuly 15, 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 15, 2016... regarding the above mentioned consumer's personal credit report.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.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 law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US Mail. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, 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 processing. If 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 of the vendor. Investigations can take as long as 30 days to reach a conclusion. After 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 record. Please 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 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] ***

April 9, 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 April 1, 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

Yes ive authorized [redacted]

YesI'm aware that a third part is working for me and filing a complaintIt is [redacted] also known as [redacted] I am authorizing you to furnish the information needed to complete the complaint.Thank you, [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 Hello,I just had a complaint closed days ago due to my failure to respond in a timely mannerI would like to respectfully ask if you can re-open this case, because I only now had an opportunity to review Experian’s response dated 12/5/ I would like to state that I strongly disagree with Experian’s response, because their rebuttal is nothing more than an attempt to make me look like I am the one who failed to properly communicate my disputeIn fact, their response is typical and is only another of the many redundant almost automated responses that I have received by Experian every time that I contact them The fact is that not only did I state which accounts I was disputing in my communication of November 3rd, but I also provided the name of each creditor, the account number and the reason why I was disputing themFurthermore, I also provided documentation corroborating the fact that I was a victim of identity theft in order in order to further substantiate the basis of my disputeFinally, aside from providing them my social security number to identify myself I also provided them a copy of my state issued DL, which is a notarized government issued IDTherefore, based on these facts I demand that Experian processes my original dispute at onceAfter my identity was stolen I have dealt with all three of the major credit bureaus to the point where I simply give up and leave this matter alone for many months at a time out of frustration due to their lack of cooperationHowever, Experian is by far the least accessible by any means, the most difficult one to communicate with and the one that is almost impossible to persuade to get them to do anythingRegards, [redacted]

September 23, 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 11, regarding the abovementioned consumer's rebuttal of our response to his complaintJudgments, Tax Liens and Bankruptcies are a matter of public recordAlthough the court where thedisputed public records are filed may not report this type of data, a vendor may collect this datadirectly from the court's public records and supply that information to ExperianExperian's method ofverification for public records complies with the requirements of the Fair Credit Reporting Act (FCRA).Regarding the [redacted] # [redacted] , our records indicate that through our vender,we researched this judgment at the source, the [redacted] ***, [redacted] ***, telephone [redacted] Investigations were initiated on 07/07/2015,05/07/2015, 07/30/and 05/26/The accuracy of the information was verified with results ofour investigations being provided to the consumer at the conclusion of each investigation.Additionally, [redacted] was previously investigated on 12/22/2014, 07/30/and05/26/In each instance, the creditor verified the accuracy of the information Results of eachinvestigation were provided directly to the consumer for reviewIf the consumer has any additionalinformation or supporting documentation regarding the disputed information, he may forward it directlyto us for review [redacted] is located at [redacted] telephone [redacted] .Any further concerns regarding the disputed information may need to be directed to the sources of theinformation as outlined above.Because Experian has met its obligations under the FCRA, at this time we must respectfully declinethe consumer's request to delete the public record from her Experian credit report.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have lived at my current address for the years and in my last dispute to Experian I provided them with a copy of my drivers license and social security card My report number is [redacted] The accounts in question have always been in dispute because they don't belong to meThe last of my social security number is ***I will resend all of the information requested, this site advises not to include such information [redacted]

June 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 May 27, regarding the above mentionedconsumer's complaintWe have mailed a current credit report directly to the consumer for reviewIf there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdisputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent orincluded in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed inerror"If the status dates, amounts, balances or other specific data is incorrect, the consumer shouldalso indicate what the correct information should bePlease specify the item or account name andnumber.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, 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 assist Let 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

June 18, 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 10, 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

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 No current details was sent to me with this "reinvestiagtion" as requested.I have requested that I see the contracts with my signature along with my drivers license to prove that this is indeed my account!!! Regards, [redacted] ***

May 9, 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 29, 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 Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] REF# 125348.662Dear Revdex.com:Our office recently received your correspondence of February 16, regarding the above mentioned consumer's complaint.Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to Experian.Our records indicate that through our vender, we initiated investigations of [redacted] COUNTY SPECIAL Docket # [redacted] on 02/14/and 07/23/at the sourceIn each instance, the accuracy of the information was verified by our vender with results of each investigation being provided directly to the consumer.The Fair Credit Reporting Act (the FCRA) places no limits on credit reporting agency's use of third party venders to investigate public records.Any further concerns regarding the disputed information may need to be directed to the sourcePlease refer to the original personal credit report for the 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.Thank 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]

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 am perplexed as to why this complaint has been closedThe response from this company does not state that anything has been done to resolve the complaint, it only states that they are investigatingTHIS IN NO WAY satisfies my issue with inaccurate reporting of my credit linesI was not given a way to respond via online (the accept/reject button did not appear in the message as usual) and I was not in an area to send a fax or mail in a response when this was sent back to me days ago, therefore I assumed that it was in error that a response from me was asked since the below response, in no way, answers my complaintPlease reopen since this complaint has not been satisfied and is also open with the CFPBThank you.V/R [redacted]