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 I have made three attempts to resolve this matter on my own and still there were no resolutionWhat I ask them to supply they continued to not provide the information Regards, [redacted]

Date: August 19, 2015To: The Revdex.comRe: Complaint ID [redacted] To Whom It May Concern:This is to inform you that I have authorized the following agency to manage matters related to mycredit[redacted] Should you have further questions, please feel free to email me.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 Experian has unvalidated accounts that remain on my credit report and is in violation of U.S.C§ They are required under the FCRA to have properly validate the accuracy of an account listed on my credit reportThey continue to state that they “verified” that these items are being “reported correctly”I asked multiple times to be provided with the documents that were used to validate these accountsWhat is the name of the person in their company who verified and validated these accounts? What documents did they use to verify and validate them? I wold like to be provided with the name of that individual, their business address, and telephone numberExperian must be willing and able to produce a document that they have in their files that proves the account(s) in dispute belong to me and the information being reported is accurate and they also must be able to do this in a court of law if I file a lawsuit against themSomeone in their company must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account(s) and all that has ever transpired for the alleged account(s), under oath and under the penalty of perjuryAs I am sure that they are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sourcesThe Courts have also ordered that a “Reinvestigation” that merely shifts the burden back to the consumer and the credit grantor cannot fulfill the obligations imposed by § 1681(a)(4)They have ignored my request to provided me with the documents that they have in their files that they used to verify and validate the disputed accounts which means that they have NOT validated or cannot verify any of these accounts and under Section (5)(A) of the FCRA – as they are required to “ promptly DELETE all information which cannot be verified or validated.” The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if they fail to comply with this Federal LawI am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRAI demand the following accounts be validated or deleted immediatelyName Of Account: [redacted] This account in question was also not validated and removed from my [redacted] credit file (attached document) Regards, [redacted]

Two Closed Accounts Reporting inaccurate information on my credit reportCOMENITY BANK/GORDMANS ..please removed from credit report this company is no longer in businessThat's why its an closed accountFIRST PREMIER BANK...please remove this was paid for delete.This account was paid to zero Remove inaccurate information from my report

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 contacted Mortgage, they provided me a letter stating their mistake, I provided that letter to Experian and they still will not correct the day late - which is causing me hardship because I am not able to refinance my mortgage and is costing me more with the time they refuse correct the error.Regards, [redacted]

Yes, [redacted] is working on my accountDo you need anything else from me?

January 12, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] REFi [redacted] Dear Revdex.com:Our office recently received your correspondence of January 3, 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.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] MCE Experian Consumer Affairs Senior Regulatory Affairs Associate ***CC C [redacted]

September 7, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] ***Dear Revdex.com.Our office recently received your Correspondence of July 28, regarding the above mentioned Consumer's rebuttal of our response to his complaint.An 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.The consumer contacted me directly by telephone on 8/29/At that time, investigations of ID theft were initiated on account and inquiry per the consumer's requestResults of these investigations will be provided directly to the consumer.It was explained to the Consumer our records indicate a valid identity theft police report had not been received by ExperianThe Consumer stated that she would obtain a valid identity theft police report and send Copies directly to my attention as soon as she was able.Experian is a credit-reporting agencyAs such, we assemble, store and report credit information as it is reported to us by credit grantors who subscribe to our services and from select public records following the guidelines of the federal Fair Credit Reporting ActExperian does not grant nor deny CreditThe decision is made solely by the Credit grantor as each may use their own specific and unique internal guidelines and CriteriaRegarding the Consumer's Credit account that was cancelled, the Consumer will need to contact the creditor directly and request that the account in question be reopened or that a new account be established.The risk score is a mathematical summary of the Credit history using Sophisticated statistics and mathematical equations to calculate the summaryNumerical values are assigned to various pieces of information in a Credit report, resulting in the risk scoreThe risk score changes over time as a consumer continues to develop their credit history, and may change from day to day as credit history is updated.The interpretations of risk scores differ according to the need and requirements set by the various Credit grantors, and may indeed vary on a daily basisSimilarly, different Credit grantors can view the same risk score differently, depending on their experiences with other Consumers scoring in the same range, their marketing plans, their business niche and many other factorsExperian is not privy to the values assigned to the information appearing on a consumer's credit reportThat information would be considered proprietary to the Credit grantor.Common questions that many Consumers have regarding their Credit scores are "why didn't my score go up?" or "what can I do to make my score go up?" For example, you might ask if closing two installment accounts would improve your credit scoreWhile this question may appear to be easy to answer, there are many factors to considerSimply closing two accounts not only lowers the number of open installment accounts (which generally will improve your score) but it also lowers the total number of all open accounts (which generally lowers your score).Furthermore, such an action will affect the average age of all accounts that could either raise or lower your SCOreAs you can see, one seemingly simple change actually affects a large number of items on your credit reportTherefore, it is impossible to provide an accurate assessment of how one specific action will affect your Credit scoreA Credit score is based entirely on the information found on your personal Credit reportAny change to your Credit report Could affect your score.For these reasons, the score cannot be "disputed"However, if there is information appearing on a credit report that is believed to be inaccurate or incomplete, we are able to investigate that specific informationInaccurate information on the credit report could possibly be the cause of an inaccurate SCO.If there is additional information appearing on a Credit report that is believed to be inaccurate or incomplete, we must have a specific disputeWe are unable to investigate inaccurate information on the Credit report without knowing which item or account is inaccurate along with the specific nature of the inaccuracyPlease specify the item(s) or account name(s) and number(s) along with the specific dispute(s).Thank you for allowing me to assist youPlease contact me directly at [redacted] if you have anyquestions.Sincerely, [redacted]

July 13, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted] Dear Revdex.com.Our office recently received your correspondence of July 5, regarding the above mentioned consumer's personal credit report.Our records indicate that we have not previously received this complaint from the Revdex.com.Our records indicate that we have previously contacted the creditors to verify the accuracy of the information with which the consumer disagreesThe disputed information was verified as accurately reported by the creditor and results were mailed to the consumer for review.Our records further indicate that the [redacted] and [redacted] accounts do not appear on the consumer's current Experian credit reportWe are mailing a current Experian credit report to the consumer for review.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 of 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 consumer the results.If 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 disputeThe statement will appear with the item as long as the item remains on the credit report.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 me directly if you have any questions.Sincerely, [redacted] ***

To whom it may concern, Yes, there is a third party working for me to repair my credit Thank You [redacted] Cell: ###-###-####

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 resolvedI received confirmation in written form that the afore-mentioned inquires have been removed from my credit report Regards, [redacted] ***

December 1, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] Dear Revdex.com.Our office recently received your correspondence of November 21, 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] ***

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Our office recently received your correspondence of January 2, 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.Sincerely, [redacted]

Our office recently received your correspondence of October 14, 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)

June 17, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of June 9, 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] ***

February 27, 2017Revdex.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 February 17, 2017, 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).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 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.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[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC [redacted]

Dear Revdex.com:Our office recently received your correspondence of May 24, 2017, regarding the above mentioned consumer's personal credit report.We apologize for any inconvenience the consumer experienced in their previous telephone contact with ExperianAppropriate actions are being taken to ensure that any customer service issues are addressedIn the future, the consumer may contact me directly at the number listed below and I will assist them in any way that I can.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the Consumer should also indicate what the correct information should bePlease specify the item or aCCount name and number.Please provide the Consumer's specific disputes along with their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs 214726***CC [redacted]

Dear Revdex.com:Our office recently received your correspondence of September 25, 2017, regarding the above mentioned consumer's personal Credit report.We are currently investigating the disputed bankruptcy information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation 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 ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).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 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, 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[redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

Dear Revdex.com:Our office recently received your correspondence of June 1, 2017, regarding the above mentioned Consumer's personal Credit report.Our records show conflict between the identification information being reported on the credit profile and the identification information provided in your correspondence.In order to research this matter fully, we will need the consumer to provide our office with proof of their social security number, such as a copy of the consumer's social security card or a document from the Social Security Administration that displays the consumer's name along with the social security number.In addition, we will need all of the following identification information: the full name including middle initial (and generation such as JR, SR, II, III), current mailing address, social security number (required due to the nature of the consumer's disputes), date of birth and previous address for the past yearsPlease include all the consumer's specific disputes.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 ***CC [redacted]

I'm attaching a letter received from Experian and have created another credit report for them to accessThe Experian report number is [redacted] I'm attaching a screen capture to prove that this is through ExperianTwo attachments to this file include the letter from Experian and the screen capture of the new credit report