Experian

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. I just got a copy of my [redacted] report and the corrections were taken care of now. Regards, [redacted]

December 23, 2014Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Case # [redacted] Dear Revdex.com:Our office recently received your correspondence of December16, regarding the abovementioned consumer's personal credit reportAn initial Security Alert has been added to the consumer's credit reportThis message, which willexpire after days, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.Based upon the documentation provided, we are in the process of blocking the fraudulent items fromthe consumer's Experian credit report and notifying the respective creditors of our actionsUponcompletion of this process, we will send the results to the consumer for review.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 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 I SPOKEN WITH SEVERAL REPS AND ALSO ADVISED THAT THE INFO THEY HAVE ON FILE IS STILL INCORRECT AND ADVISE THEM WHAT THE SENIOR REP ADVISED BUT I CALLED AND REP WERE STILL BE RUDE AND NASTY Regards, [redacted]

Dear Revdex.com:Our office recently received your correspondence of September 11, 2017, regarding the abovementioned consumer's complaint.According to our records, the information in question notating that the consumer is deceased is not appearing in the consumer's personal credit report with ExperianA current copy of the Experian Credit report is being sent 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 Experian Consumer Affairs [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below 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 I have tried accessing the link that the company has provided and it is not workingIt says the followingSystem Temporarily UnavailableWe are currently unable to process your request.Please try again later.We apologize for the inconvenienceI realize your systems are probably overloaded given recent events so this link will probably work once things settle down but it's not working now and I can't have this case closed without my desired resolution attainedThank you for your response Regards, [redacted] ***

We have mailed a current credit report directly to the consumer for reviewIf the consumer has additional inforrnation regarding disputed information, please provide itPlease specify the item or account name and number along with the consurners specific disputes and the additional informationPlease provide typir complete identification inforrnatjon (Social Security number, full narne, current address, previous addresses in tre last two years and date of birth)Also, please include one copy of a governrnent issued i&ntification card, such as a drivers license, state ID card,etc., and one copy of a utility bill, bank or insurance statement, etc.When a consumer disputes the accuracy or completeness of inforrnation on the personal credit report and tells us specifically why they believe the inforrnation is inaccurate or incomplete, we process thedispute as required by lawWe contact 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 inforrnation rewding the disputed item, and report back within thetime fratme required by lawWe review and consider the response to determine whether to acceg [redacted] 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 frat information, or modifythat information, as appropriate, based upon the dispute ard the results of our processirgIf we donot receive a response from the fumisher or the vencbr within the required period, we update the itemas requested or delete the information, In sorne instances, upon reviewing the credit file and any relevant inforrnation submitted to us, we are able to determine whether the disputed informationshould 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 tre 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 informationAccording to the Fair Credit Reporting Act (FCRA), a national corsumer credit reporting agencVs role in the dispute process is to review the accuracy and completeness of any disputed item which mayinclude contacting the furnisher of the information or the vendor that collected tre information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant inforrnation regarding the consuner's disputeIn order to help resolve the consurrer's dispute, Experian will review all relevant docurnents subrnitted by theconsumer with the dispute and will forward documents to ttE furnisher if Experian is unable to resolve the issue based on those documentsConsumers also contact creditors directly todispute iterns reported by the creditorIf the issue is not resolved, then tre corsum•er credit reportingagency must offer to include a consurner staternent on the personal credit report.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 ræ to assist youPlease contact directly ifyou have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consurrer Affairs [redacted] ***

Dear RevDex.com:Our office recently received your correspondence of July 21, 23017 regarding the above mentioned consumer's personal Credit report.We are currently investigating the Verizon account with which the consumer disagrees. Upon completion of this process, we will provide the... results of our investigation directly to the consumer.Our records indicate that the balance owed on the Verizon account was updated on 7/12/17 based upon an investigation initiated on 7/11/17 on behalf of 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 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 documents. Consumers may also contact creditors directly to dispute items reported by the Creditor, if 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 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 me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

Dear Revdex.com:Our office recently received your correspondence of July 5, 2017, regarding the above mentioned Consumer's personal credit report.Our records indicate that the disputed First Tech FCU inquiry does not appear on the consumer's Current Experian Credit reportWe have mailed a current Experian credit report directly to the Consumer for review.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 resultsExperian 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 [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

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 19, 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, 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 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] ***

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] L***- [redacted] Complaint ID # [redacted] REF #: [redacted] Dear Revdex.com:Our office recently received your rebuttal of May 4, 2017, regarding the above mentioned consumer's complaint.Please understand that not every consumer is guaranteed online access to their credit report; that is why we also offer the option of writing in or calling in to request your Credit report or request investigationsWe are in the process of mailing a current copy of the credit report to the Consumer for review.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.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.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.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 214726***

Revdex.com:I have not received a copy of my credit report at this time and would like to received with my credit score on there as well so I can know where I stand with my credit reportI thank you all so much for your help in this matterPlease rush me my credit report as soon as possiblethank you 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] ***

Dear Revdex.com:Our office recently received your correspondence of August 14, 2017, regarding the above mentioned consumer's Experian Credit reportThe last address supplied into Experian in the consumer's correspondence has never been reported to us previously by one of their creditorsTo assist you, we must verify the consumer's current delivery address.Please have the consumer mail us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etcMake sure that each Copy is legible (enlarge if necessary), displays her 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 proofUpon receipt will promptly research your concerns and respond accordingly.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.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs

Dear Revdex.com:Our office recently received your correspondence of July 24, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon Completion of this Orocess we will Orovide the results of Our investiolation directlv to the ConsimerOur records indicate that we have contacted the data furnisher 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 above mentioned Consumer for review.When a consumer disputes the accuracy or completeness of information on their personal Credit report and tellus specifically why they believe the information is inaccurate or incomplete, we process their dispute as required by lawWe Contact the furnisher of the data to verify the accuracy of the disputed information.If the consumer disagrees with the results of the reinvestigationit 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 yol that Fynerian takes its rommitment to affirient Avraritious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,Experian Consumer Affairs ***

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 directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate Experian Consurner Affairs [redacted] ***

January 15, 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 7, regarding the above mentionedconsumer's personal credit reportWe are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other 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 submi11ed 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 me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

October 24, 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 dated October 17, 2014, regarding the above mentioned consumer's complaint Our records indicate that on August 18, we received a request that did not appear to be sent by the consumerWe did not act upon this suspicious request and responded with a letter requesting that the consumer send their specific disputes and include their complete identification information We have mailed a current credit report directly to the consumer on October 18, 2014, for reviewIf there is information on the credit report the consumer would like to dispute, please specify the item or account name and number along with the specific disputePlease forward this information directly to at Experian, [redacted] *** Allen, TX If you have any questions, please contact me directly for assistance Sincerely, [redacted] Senior Regulatory Affairs Associate

May 25, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RECharlene Livingston Complaint # [redacted] Ref # [redacted] Dear Revdex.com.Our office recently received your correspondence of May 17, 2016, regarding the above mentioned consumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: “not mine, paid in full, never delinquent or included in bankruptcy” or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item or account name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly at [redacted] if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services ***

July 1, 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 23, regarding the above mentionedconsumer's personal credit report.An Initial Security Alert has been added to the consumer's credit reportThis message, which willexpire after days, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.Our records indicate that a Security Freeze was placed on the consumer's Experian credit report onJune 22, If the consumer has additional concerns or questions he may contact me directly at [redacted] and I will assist him 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 ta*es its commitment to efficient, expeditious service seriouslyThan [redacted] youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

November 19, 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 abovementioned consumer's personal credit report.Our records indicate that we have not previously received this complaint from the Better BusinessBureau.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