Experian

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 unacceptableExperian has not yet shown proof that I owe the debtAnd I they never responded back to one of my disputesThis is against the law and they should be reportedCan you please take the incorrect information off my credit report Regards, [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 regarding the above mentionedconsumer's personal credit reportOur records indicate that we have previously contacted the data furnishers to verify the accuracy ofthe information with which the consumer disagreesThe disputed information was verified asaccurately reported and confirmation was mailed to the consumer for review.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, underthe FCRA, to add a 100-word statement specifying the nature of their disputeThe statement willappear with the item as long as the item remains on the credit reportAny further concerns regardingthe disputed information may need to be directed to the creditors reporting this informationPleaserefer to the original personal credit report for the furnisher or public records office name, address, andphone number (if available)If the consumer has any additional supporting documentation regardingthe 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 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.Experian continues to report inaccurate information on my [redacted] account [redacted] This is a charged of account from 7/it should no longer be being reportedI requested you verify the information, and Experian has failed to investigate properly within the time periodThe account was sold to another lender, there should be a $balance once account has been sold to another lenderExperian is the only cra that is reporting this invalid accountAccount has been removed from [redacted] and **Experian needs to remove account from my report immediately or I will seek legal actionYou can not continue to report an account that is past the statute of limitations to be reporting.Remove [redacted] account [redacted] from my credit report immediatelyStop allowing inaqurate information to remain on my report.8/27/ [redacted] SSN: [redacted] File # [redacted] Dear Sir or Madam: I am a victim of identity theftThe information listed below, which appears on my credit report, does not relate to any transaction(s) that I have madeIt is the result of identity theft [redacted] Account [redacted] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this informationEnclosed are the following: • A copy of my credit report I received from your companyThe fraudulent items are circled• A copy of my Identity Theft Report and proof of my identity• A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher(s) of that informationI appreciate your prompt attention to this matter, and await your replyREMOVE or BLOCK account from my credit report IMMEDIATELYSincerely, [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 [redacted] no I do not accept the extended fraud alert from experian, I need them to delete [redacted] FRAUD ACCOUNT NUMBER [redacted] I DISAGREE AND DO NOT EXCEPT EXPERIAN OFFER THEY HAVE VIOLATED THE FAIR DEBT CREDIT ACT.Regards, [redacted]

July 7, 2015RevDex.comServing San Diego, Orange 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 June 26, 2015 regarding the above mentionedconsumer's personal credit report.We 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 tells 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 collected theinformation from a public record source such as a court or other government office eitherelectronically or by US Mail. We 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 law. We review and consider the response to determine whether to accept it, rejectit, or follow up for additional information. If, after processing, we find tha1 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 processing. If 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 vendor. Investigations can take aslong as 30 days to reach a conclusion. After 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 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 our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

May 1, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123Re: [redacted] Ref: [redacted] Complaint ID: [redacted] Dear Counselor:Our office recently received your correspondence dated April 23, 2015, regarding the above mentionconsumer'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 for review.Please feel free to contact our office directly if you need further assistance.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 recently reviewed my credit report with Experian, and noticed I had Credit Inquires for the following listed below that I did not approve of. This is hindering me from becoming an 1st time homeowner and effecting my Fico score. I have reached out to Experian multiple times and it has been 30 plus days since I have heard from them. Under the FCRA 15 U.S.C. § 1681i, all unverified information must be promptly deleted. Therefore, if you they were unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt from me then they must remove these accounts from my credit report. [redacted] Regards, [redacted]

May 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 April 25, regarding the above-mentionedconsumer's complaint.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 collectedthe information 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 theinformation regarding the disputed item, and report back within the time frame required by lawWereview and consider the response to determine whether to accept it, reject it, or follow up foradditional 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, asappropriate, based upon the dispute and the results of our processingIf 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 vendorAfter 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 recordPlease referto the original personal credit report for the furnisher or public records office narne, 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

May 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 May 12, 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

Dear Revdex.com:Our office recently received your correspondence dated August 14, 2017, regarding the above mentioned consumer's personal credit report.A personal credit report, by law, must list all parties that have requested a consumer's Credit historyAccording to the Fair CreditReporting Act, credit grantors with a permissible purpose may inquire about credit informationRequests for your client's credit history remain on the personal Credit report for yearsThe federal Fair CreditReporting Act (the "FCRA) section outlines permissible purposes of consumer reports.The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer's profileThey are only logged on the report, when in fact, an inquiry was madeA record of this activity, pursuant to federal law, must remain a part of recordPlease note that Experian does not receive a copy of any applications made to credit grantorsThe consumer may wish to contact the creditor directly for that information.Therefore, we must respectfully deny the consumer's request to remove the inquiriesIf I may be of further assistance you, please feel free to contact me directly.Sincerely, [redacted] Senior Regulatory Affairs Associate

Dear Revdex.com:Our office recently received your Correspondence of September 12, 2017, regarding the abovementioned consumer's personal Credit report.An Extended Security Alert has been added to the consumer's credit report on June 15, 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 consentWe 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 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 inf filiation is inaccurate, incomplete or cannot be verified, we then delete that information, or modif, it information, as appropriate, based upon the dispute and the results of our processingIf we dorict receive a response from the furnisher or the vendor within the required period, we update the item as equested 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.In addition to the consumer's right to dispute information in the Credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.if the consumer questions the results of the dispute process then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available) According to the Fair CreditReporting Act (FCRA), a national consumer Credit reporting agency's role in the dispute process is to review the accuracy and complet-less of any disputed item which may include contacting the furnisher of the information or the vent in that collected the information from a public record Source, such as a Court or other government offic; 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 doctIf lents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the creditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, K [redacted] Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted]

See Attached

May 20, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] ***Ref: [redacted] ComplaintiD # [redacted] Dear Revdex.com:Our office recently received your correspondence of May 12, regarding the above-mentionedconsumer's complaintWe 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 fells 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 collectedthe information 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 theinformation regarding the disputed item, and report back within the time frame required by lawWereview and consider the response to determine whether to accept it, reject it, or follow up foradditional 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, asappropriate, based upon the dispute and the results of our processingIf 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 vendorAfter 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 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 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

Dear Revdex.com:Our office recently received your correspondence of August 25, 2017, regarding the above mentioned Consumer's personal credit report.We are in the process of providing the consumer with their current Experian personal credit report.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 into request your credit report or request investigations.We apologize for the difficulty the consumer encountered while attempting to obtain their credit reportExperian is committed to the protection of each consumer's privacy and the security of their personal information and credit reportIf the consumer continues to have questions or concerns regarding their Experian credit report they 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 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 [redacted]

[redacted] Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consurner Affairs [redacted] ***

May 19,2015Revdex.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 7, 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 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

Our office recently received your correspondence regarding the above-mentioned consumer's rebuttal of our response to their complaint.Based upon documentation provided by Ms [redacted] , the disputed [redacted] account # [redacted] was blocked from her Experian credit report on January 24, At that time, we notified [redacted] of our action.Due to a quality review, Experian made a reasonable determination that the consumer had received goods or services or that there had been a misrepresentation of facts by the consumer in connection with this accountIt was determined that the account was found to be legitimate and not opened in her name as a result of identity theftOn February 12, 2018, the account was unblockedNotification of this action was provided via US Mail to the consumer at that time.We are currently investigating the [redacted] and [redacted] Asset Management accounts with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.Thank you for allowing me to assist youPlease contact me directly if you have any questions

May 11, 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 3, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the Consumes the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

Yes the 3rd party has my permission to speak on behalf pertaining to this matter and their name is [redacted] [redacted] ***

:::::: ExperianFebruary 1, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint # [redacted] Ref # [redacted] Dear Eetter EUsiness Bureau:Our office recently received your correspondence dated January 26, 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.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services ***