Experian

:::::: ExperianFebruary 18, 2016Eetter EUsineSS Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] Dear Better EUsiness Eureau.Our office recently received your correspondence of February 17, regarding the above mentioned consumer's rebuttal of our response to his complaintResearch indicates that we have not previously received this rebuttal.Our records indicate that we initiated investigations of the [redacted] account on 1/8/15, 1/21/15, 12/1/and 1/27/and the [redacted] account on 10/23/14, 11/5/14, 1/27/15, 12/1/and 1/27/In each instances, the creditors confirmed the information was accurate as reported.If the consumer disagrees with the results of the reinvestigation, it is his legal right, under the FairCredit Reporting Act (FCRA), to add a 100-word statement specifying the nature of her 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 creditorThe consumer may refer to his original personal credit report for the creditors' addresses and phone numbers (if available).If the consumer has any additional supporting documentation regarding the disputed information, for example a valid identity theft police report or a completed identity theft affidavit, he may forward it directly to my attention for review.According to the 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.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]

Thank you for sending me a messageYes I, [redacted] ***, of [redacted] Indiana [redacted] , give complete permission for you to examine any request from [redacted] Their Address is; [redacted] Thank you, [redacted] ***

:::::: ExperianJanuary 27, 2016Revdex.com Serving San Diego and Imperial Counties Viewridge Ave., #San Diego, CA 92123RE [redacted] Complaint ID # [redacted] REF# [redacted] Dear Better EUsiness Eureau.Our office recently received your correspondence of January 25, regarding the above mentionedAn Extended Security Alert has been added to the consumer's credit reportThis message, which will expire after years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.If the consumer has additional information regarding the disputed information, for example a complete copy of an Identity Theft Police Report, please forward it directly to me.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]

Yes I [redacted] authorized [redacted] to file the complaint(s) on my behalf[redacted]

ve., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of June 14, regarding the above mentioned consumer's personal Credit report.We apologize for any inconvenience Ms [redacted] experienced in her previous contact with ExperianAppropriate actions are being taken to ensure that any customer service issues are addressedIn the future, the Consumer may contact us directly at the number listed below and we will assist her in any way that we can.We are in the process of providing the consumer with their current Experian 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 our office if you have any duestions.Sincerely, [redacted] on behalf of [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs214726***CC [redacted]

March 20, 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 March 11, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the resul1s of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

November 20, 2014Revdex.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 November 12, regarding the abovemen1ioned consumer's personal [redacted] report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly the consumer.When a consumer disputes the accuracy or completeness of information on the personal [redacted] 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 officeWe ask thefurnisher or the vendor to conduct a thorough and complete investigation to verify all of the informationregarding the disputed item, and report back within the time frame required by lawWe review andconsider the response to determine whether to accept it, reject it, or follow up for additionalinformationIf, after processing, we find that the disputed information is inaccurate, incomplete orcannot be verified, we then delete that information, or modify that information, as appropriate, basedupon the dispute and the results of our processingIf we do not receive a response from the furnisheror the vendor within the required period, we updaie the item as requested or delete 1he information, Insome instances, upon reviewing the [redacted] file and any relevant information submitted to us, we areable to determine whether the disputed information should be changed or deleted without having tocontact the furnisher or the vendorAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the [redacted] file with the [redacted] reportingagencies, the consumer also has the right to dispute information in the [redacted] 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 [redacted] report for the furnisher or public records office name, address, andphone number (if available).According to the Fair [redacted] Reporting Act (FCRA), a national consumer [redacted] reporting agency's rolein the dispute process is to review the accuracy and completeness of any disputed item which mayinclude contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's disputeIf the issue is not resolved, then the consumer [redacted] reporting agency must offer to include a consumer statement on the personal [redacted] reportTheConsumer Financial Protection Bureau (the government agency charged with enforcement of theFCRA) does not require that the consumer [redacted] reporting company obtain documentation such asthe actual signed sales slips, signature cards, contracts, etc.; nor does it require that consumer [redacted] reporting agencies act as mediators or negotiators in account disputes.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

October 8, Revdex.com Serving San Diego and Imperial Counties Viewridge Ave., # San Diego, CA RE [redacted] REF# [redacted] ID # [redacted] Dear Revdex.com: Our office recently received your correspondence of October 2, regarding the above mentioned consumer's personal credit report Our records indicate that we have contacted the data furnisher to verify the accuracy of the information with which the above mentioned consumer disagreesThe disputed information was verified as accurately reported and confirmation was mailed to the consumer for review on August 21, and September 24, If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a t 00-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

YES, I authorize this thrid party to file the complaint on my behalf [redacted] THANK YOU!

RE: [redacted] Complaint ID # [redacted] REF [redacted] Dear Revdex.com.Our office recently received your correspondence of September 30, 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 meassure 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[redacted] Senior Regulatory Affairs Associate

April 24, 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 14, regarding the above mentionedconsumer's personal credit report.Regarding the consumer's request to have negative information removed from his credit report, ourrecords indicate that the disputed late payment(s) does not appear on the consumer's currentExperian credit reportWe have mailed a current Experian credit report directly to the consumer forreview.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, wemust 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, theconsumer should also indicate what the correct information should bePlease specify the item oraccount name and number.Please provide the consumer's specific disputes along with their complete identification information(Social Security number, full name, current address, previous addresses in the last two years and dateof birth)Also, please include one copy of a government issued identification card, such as a driver'slicense, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement,etc.Regarding the consumer's request for a refund, this complaint is handled in a different Experian officeand we have forwarded your correspondence to the following division for review and response[redacted] ***Because we are unable to assist with this issue, it is recommended that the consumer contactExperian Consumer Services directly.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly at if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

May 26, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] Ref # [redacted] Dear Revdex.com.Our office recently received your correspondence of May 18, regarding the above mentioned consumer's personal credit report.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.We store address information as it is sent to us by the consumers credit grantors or from information contained in public recordsOne or more sources of information reported the address the consumer is disputing and it is a part of their credit history.If the consumer believes an address in the credit report is inaccurate, they may want to contact the source of the information directlyPlease contact us by phone at [redacted] if the consumer needs additional assistance to determine the specific sources of particular address information on their credit report.The disputed name variations and [redacted] account has been previously deletedExperian 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 Consumer Affairs Special Services [redacted] ***

June 4, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Better Business Bureau:Our office recently received your correspondence of May 27, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the resul1s of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

May 19, 2016Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Dear Revdex.com:Our office recently received your correspondence of May 12, 2016, regarding the above mentioned consumer’s rebuttal of our response to her complaint.In the rebuttal, the consumer did not provide details of their dissatisfaction or additional information regarding the disputed information.We have mailed a current credit report directly to the consumer for reviewIf the consumer has additional information regarding disputed information, please provide itPlease specify the item or account name and number along with the consumer’s specific disputes and the additional informationPlease provide 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] 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 didn't request a reinvestigation by Experian through the Revdex.com, but a deletion of the erroneous itemsExperian has been investigating and reinvestigating for almost months now - I requested the method of verification many times - no details were provided! I suspect that a "reasonable investigation" according to the FCRA actually never took place! I suspect that Experian used an automatic response system like e-oscar to communicate with the creditor, this method is not sufficient under FCRA Section I request that Experian follows Federal Law and deletes the items I disputed, please be advised that I did not dispute the accounts itself but only the erroneous items I pointed out Regards, [redacted]

July 31, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave#200San Diego, CA 92123RE: [redacted] Ref#: [redacted] Your Complaint ID: [redacted] Dear Revdex.com:Thank you for submitting your complaint dated 07-22-2015, regarding the above mentionedconsumer.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, wemust have a specific dispute with which the consumer disagreeslr:J order to conduct an investigation,please have the above mentioned consumer forward any specific disputes, along with their completeidentification information, directly to Experian at [redacted] ***.We are in the process of forwarding a current credit report to the above mentioned consumer toreview.Please contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***

August 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 August 14, 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 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 This item needs to be deleted because it was never verified with [redacted] and must be removed for violating the FCRA> Regards, [redacted] ***

Dear Revdex.com: Thank you for your recent correspondence dated August 10, 2017, regarding the above mentioned consumer Our records indicate that we previously conducted an investigation regarding the disputed information and have provided the results of our investigation directly to the consumer on August 9, 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 agencyIf 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 dispute The statement will appear with the item as long as the item remains on the credit report Any further concerns regarding the disputed information may need to be directed to the data furnisher reporting this information If you have any additional supporting documentation regarding the disputed information, please forward that to my attention for reviewAccording 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 you Please contact our office if you have any questionsSincerely, [redacted] Senior Regulatory Affairs AssociateExperian 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.This is a generic response and feel that no real investigation was completedI'm upset that a company can lie and say they contacted these companies to verify the information when the court has specifically told me they don't report or verify information with the credit bureausPlease delete these items or give me names, numbers and address of who you spoke tooAlong with time and date Regards, [redacted]