Experian

Yes there is a third party working on my credit” [redacted] , and it is regarding Experian

There is a child support account on my credit report that is reported as open and is not openI have contacted the [redacted] ement office in [redacted] and they told me they do not verify information to the credit bureaushow can this account be on my credit report then? It says that "This item remained unchanged from our processing of your dispute in Mar 2016" but then shows the date of status as may which shows me that no real investigation was really done.Desired Outcome: please delete child support account number [redacted] from my credit report

October 23, Revdex.com Serving San Diego and Imperial Counties Viewridge Ave., # San Diego, CA RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com: Our office recently received your correspondence of October 20, regarding the above mentioned consumer's personal credit report We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available) Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions Sincerely, [redacted] Senior Regulatory Affairs Associate

April 8, 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 31, regarding the above mentionedconsumer's complaint.We 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 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

January 3, 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 December 21, regarding the above mentioned consumer's personal credit report.We are currently investigating the bankruptcy information with which the consumer disagreesUpon completion of the investigation process, we will provide the results directly to the consumer.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.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 officeWe 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 vendorAfter we complete our processing, we send the consumer the results.If the consumer questions the results of the dispute process, then they may want to contact the source of the information directly or review the original information in the public recordPlease refer to the original personal credit report for 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 me directly if you have any questions.Sincerely, [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 Regards, [redacted] I have already sent them this information beforeIf there is anyway that you can have them send you documentation that wrote in blue ink and sent certified

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 given Experian more than enough time to provide the information that has been requestedI have asked them over a month period to provide the details on how them claim they verified the information on my credit repost that is inaccurate and they have yet to provide itThis is another stall tactic that they are using and I want no part of it anymoreI want them to delegate the inaccurate information by the end of August or I will file a civil lawsuit in small claims court in my countyThey will then have to fly there legal team out to answer the question before a judge and I will also seek puntitive damages if I have legal actions Regards, [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 The response as I read it only details an investigatory process and lends no conclusionI have no problem with their process, but still dispute the validity of the creditor's mark on my credit reportFurthermore, I never received anything from experian, et al., suggesting I needed to respondPlease accept this response now as this is the first time I knew I needed one [redacted] ***

May 13, 2015To: Revdex.com - [redacted] From: [redacted] Regarding: ID [redacted] In response to your email, yes I am working with a third partyThe company's name is [redacted] Please accept this email as an official response to your inquiryThank you

RE [redacted] Complaint # [redacted] Ref # [redacted] Dear Revdex.com:Our office recently received your correspondence dated October 6, 2015, 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.If I may be of further assistance, please contact me directly.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

Yes I [redacted] Authorized , [redacted] to file complaint on my behalf

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 supplied Experian with additional information (1099c) from in which I had to claim this debt as incomeOnce a debt is claimed as income it is against the law to attempt to collect on the account and it is also against the law to report the account as if they are actively being collected onExperian currently actively list these accounts as past due and they still list them as a current collectionThere is no indication that these account have been cancelled due to the 1099cExperian should be held responsible for this since they are the company furnishing informationAll I simply ask is to update the records to correctly identify this accountExperian did not even acknowledge the 1099c proof that was provided to themPlease correct your records and update to reflect properly Regards, [redacted]

Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of 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 eitherelectronically 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 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 dispute.In 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 our office if you have any questions

I authorize this complaintThe name and address of the third party is as follows: [redacted] ***Thanks, [redacted]

February 11, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] REF# 125121710Dear Better EUsiness Eureau.Our office recently received your correspondence of February 4, regarding the above mentioned consumer's personal credit report.According to our records, the [redacted] # [redacted] account appears as stated on the consumer's current Experian credit report, as having no balance owedA copy of the current Experian credit report is being mailed directly to the consumer for review.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services ***?? [redacted]

May 20, 2015RevDex.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Ref: [redacted] Complaint ID # [redacted] Dear RevDex.com:Our office recently received your correspondence of... May 12, 2015 regarding the above-mentionedconsumer's complaintWe are currently investigating the information with which the consumer disagrees. Upon 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 fells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by law. We contact the furnisher of the information or the vendor that collectedthe information from a public record source such as a court or other government office. We ask thefurnisher or the vendor to conduct a thorough and complete investigation to verify all of theinformation regarding the disputed item, and report back within the time frame required by law. Wereview and consider the response to determine whether to accept it, reject it, or follow up foradditional 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, asappropriate, based upon the dispute and the results of our processing. If we do not receive aresponse from the furnisher or the vendor within the required period, we update the item as requestedor 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 vendor. After we complete ourprocessing, we send the consumer the results.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 record. Please referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

I give the 3rd party [redacted] authorization to handle any and all complaints on my behalf.

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. Just as Experian stated, "According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review he 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 inforrnation and disclosing all relevant information tre consurner's dispute."Experian stated that they reviewed the accuracy and completeness of any disputed item, but have yet to show me a signed agreement or at least an application for this account to show when this account was opened. It is evident that Experian would not have this information because I have proof that [redacted] does not have it. Another give away that this account has not been verified for accuracy and completeness is how it is reporting differently on Equifax then it is on Experian.Therefore this account should legally be removed from my credit report because it is a fraud account as I have stated multiple times.Finally, Experian did not address the fraud inquiries that showed up on my credit report September 27, 2017 from Experian Business Cred and Yellowstone which I had also brought up in the last compliant. It is interesting how those inquiries show up on my report even though I had a fraud alert on my account and instructions in those regards. Therefore those two inquiries should be removed as well because I was never contacted by those companies nor given permissible purpose to put a pull on my credit. Regards, [redacted]

January 28, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Ref#: [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of January 20, regarding the above mentionedconsumer's complaint.Today I attempted telephone contact with Ms [redacted] and left a detailed message with my contactinformationIf Ms [redacted] continues to have questions or concerns regarding her Experian creditreport she may call me directly at ###-###-#### and I will assist her in any way that I can.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

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] ***