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. First of all, I pay 9.99 dollars a month for this product, sometimes alot more, and EXPERIAN decides that my challenges are not legitimate and only EXPERIAN will decide when to investigate my claim. I DECIDE what will be investigated by Experian, not experian. I have reported Experian to the Consumer Financial Protection Bureau in this matter. I am a victim of fraud by [redacted] and I am a veteran unable to place a roof over my head because of what Experian places in my report. IN addition Experian REFUSES as I asked to state that I am a victim of Fraud and that the case is in litigation (in other words, Experian refuses to use certain words). I will SUE experian if they do not dispute an ITEM, as I am a paying customer especially. This is NOT my FREE annual credit report. I PAY experian for this and they still give me slack over my requests to dispute items. Equifax, on the other hand, disputes items whenever I want. In addition, I asked the VA to remove an item and properly report that I made ALL payments ON TIME, and not a complete chargeoff as the VA states on my report. EXperian needs to understand that I can be FIRED from my job because of information on my credit report, and them refusing to investigate is grounds for litigation and complaints. Also, I am constantly bounced around their call centers all over the country with extremely long hold times. From their unit in California claims they are not responsible for the dispute department, and only for the credit monitoring feature. it took me an HOUR to reach a dispute representative whom was rude and confrontational. I am cancelling my membership with Experian, and if they do not Investigate [redacted] and other matters as I ASK, as the situation is dynamic and constantly changing, I WILL file a lawsuit against Experian in this matter. The *** case is now before Maryland attorney general and the federal [redacted] for fraud (I am the plantiff). Legally, I will not legally Experian to operate in this manner, and not be able to place a roof over my head as a veteran. Regards, [redacted]

REF# [redacted] Dear Revdex.com:Our office recently received your correspondence of July 31, regarding the above mentioned Consumer's personal credit report.We are currently investigating the bankruptcy information with which the consumer disagreesUpon Completion of the investigation process, we will provide the results directly to the consumer.Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to ExperianExperian's method of verification for public records complies with the requirements of the Fair Credit Reporting Act (FCRA)Experian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record information.Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing informationTherefore, we cannot update or delete information in our database based on the results of a dispute with another consumer Credit reporting agency nor can we dispute information for a consumer with another consumer Credit reporting agency.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record Source such as a court or other government officeWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the Credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorAfter we complete our processing, we send the consumer the resultsif the consumer questions the results of the dispute process, then they may want to contact the source of the information directly or review the original information in the public recordPlease refer to the original personal credit report for public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs

RevDex.com Serving San Diego and imperial Counties 4747 Viewridge Ave., #200 San Diego, CA 92123RE: [redacted] A. [redacted] Complaint ID # [redacted] REF: [redacted] Dear RevDex.com:Our office recently received your correspondence of April 25, 2017 regarding the above mentioned consumer's rebuttal of our response to his complaint.We apologize for any inconvenience Mr. [redacted] experienced in his previous contact with Experian. Our records indicate that Experian was contacted by Mr. [redacted] on March 09, 2017, March 15, 2017, March 29, 2017, March 31, 2017, April 4, 2017, April 12, 2017, and April 27, 2017. The results of the investigations were sent to Mr. [redacted] on March 16, 2017, March 22, 2017, March 29, 2017, April 12, 2017, April 19, 2017, April 21, 2017, and May 9, 2017.Our research indicates that on December 13, 2013, [redacted] reported that the HELOC account was discharged in the chapter 13 bankruptcy and the payments on the account had never been late.Please note, any account included in a bankruptcy remains on the personal Credit report for a maximum of seven years from the date the bankruptcy was filed. Because this account had reached the maximum retention time permitted by the Fair CreditReporting Act (FCRA), it was deleted from the consumer's Experian credit report on November 22, 2016.Additionally, my review of the public record documents on file at the US Bankruptcy Court in Seattle, WA indicate that the disputed [redacted] HELOC account was included in the chapter 13 bankruptcy filed on February 28, 2010. Upon request, we will provide a copy of the bankruptcy documentation directly to Mr. [redacted] for review.At this time, [redacted] will not be able to re-report this account to Mr. [redacted] 's credit report under the existing account number since it has reached the maximum retention time permitted by the Fair Credit Reporting Act (FCRA).If Mr. [redacted] has additional documentation indicating that this account was not included in bankruptcy please send it to my attention at P.O. Box 1240, Allen TX, 75013-1240 or fax it to my attention at 1855-829-9953.Further research indicates, the additional [redacted] Mortgage account [redacted] xxxx was previously reported by [redacted] as included in bankruptcy. On January 24, 2014, [redacted] submitted a request to remove the bankruptcy information from this account. At this time, the account is appearing on Mr. [redacted] 's Experian credit report as an open account.Each national consumer credit reporting agency may interpret the requirements of the FairCredit Reporting Act differently and each company has their own policies and guidelines for disputing information. Therefore, we cannot update or delete information in our database based on the results of a dispute with another consumer Credit reporting agency nor can we dispute information for a it consumer with another Consumer Credit reporting agency.Thank you for allowing me to assist you.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs

Dear Revdex.com:Our office recently received your correspondence of July 25, 2017, regarding the above mentioned consumer's personal Credit report.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).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 ***

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 provided you all with documentation to substantiate my identityI could care less what information a company reports to youIt is your responsibility to report accurate informationYou would think that with the huge recent gaffe by Equifax you all would know betterRemove the incorrect information from my report or I will take legal action Regards, [redacted]

Dear Revdex.com:Thank you for your recent correspondence dated August 14, 2017, regarding the above mentioned consumerOur records indicate that we previously conducted an investigation regarding the disputed information and have provided the results of our investigation directly to the consumer on August 19, 2017.Each national consumer Credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each Company has their own policies and guidelines for disputing informationTherefore, we cannot update or delete information in our database based on the results of a dispute with another consumer Credit reporting agency nor can we dispute information for a consumer with another consumer Credit reporting agency.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 reportAny further concerns regarding the disputed information may need to be directed to the data furnisher reporting this informationIf you have any additional supporting documentation regarding the disputed information, please forward that to my attention for review.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 completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the data furnisherIf the issue is not resolved, then the consumer Credit reporting agency must offer to include a consumer statement on the personal credit report.Thank 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] ***

Dear RevDex.com:Our office recently received your rebuttal of March 27, 2017, regarding the above mentioned consumer's complaint.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples 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 be. Please 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.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 214726 ***

Yes there is a third party working on my credit Thank you [redacted] ***

Dear Revdex.com:Our office recently received your correspondence of August 31, 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) 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 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.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[redacted] I provided the documentation to prove my identity attached aboveThese items must be removed due to ID theftThank you for your response Regards, [redacted] ***

ExperianApril 20, 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 April 12, regarding the above mentioned consumer's personal credit report.Our records indicate that we have previously contacted [redacted] 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 Consumes for review.Our records further indicate that the additional disputed information does not appear on the consumer's current Experian credit report.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 of 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.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] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

Dear Revdex.com:Thank you for your recent correspondence dated August 14, 2017, regarding the above mentioned consumerOur records indicate that we previously conducted an investigation regarding the disputed information and have provided the results of our investigation directly to the consumer on April 3, and December 9, 2016.Each national consumer Credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing informationTherefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency.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 reportAny further concerns regarding the disputed information may need to be directed to the data furnisher reporting this informationIf you have any additional supporting documentation regarding the disputed information, please forward that to my attention for review.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 completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to help resolve the Consumer's dispute, Experian will review all relevant documents submitted by the Consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the data furnisherIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate; : Experian Consumer Affairs

March 3, 2017Revdex.com Serving San Diego and Imperial Counties Viewridge Ave., #San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of February 23, regarding the above mentioned consumer's personal Credit reportOur 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]

May 26, 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 14, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs 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 have contacted Experian several times about the following accounts: [redacted] [redacted] #:After speaking to [redacted] a Experian Consumer Affairs employee I was told that neither account has been verified or a contract bearing my signature was ever suppliedPer FCRA guidelines accounts have to be verified and accurate in which neither areI was told that each account is simply verified through Experians systemPlease supply a contract bearing my signature or delete the above mentioned itemsPlease supply a contact bearing my signature or delete the itemsPlease also investigate Acceptance Now for fraudulent and inaccurate reporting as they currently have several complaints regarding their organization Regards, [redacted]

I [redacted] give consent for *** to file a claim on my halfMy contact number is ###-###-####The third party information is [redacted] [redacted] *** [redacted]

July 18, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com.Our office recently received your correspondence regarding the above mentioned consumer's complaint.Research indicates that Experian has had no previous contact with this consumer either by telephone or written correspondence.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 214-726– [redacted] if you have any questions.Sincerely, [redacted]

May 26, 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 14, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs 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. Beginning July 1, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens,must contain at minimum identifying information to be collected at more frequent intervals as follows.... Minimum reporting of :1) Name , 2) Address, and 3) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier ( [redacted] ***) and they have confirmed that it was not there on their report.I need this erroneous information to be removed immediately from my credit file as it is hindering myself and family. Also this inaccurate neative information is holding me back from job of my dreams. Regards, [redacted]

Dear Revdex.com.Thank you for your recent correspondence dated August 22, regarding the above mentioned consumerOur records indicate that we previously cordicted an investigation regarding the disputed information and have provided the results of our investicitcdirectly to the consumer.Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own piiries and guidelines for disputing informationTherefore, we cannot update or delete info: Ta'irl in our database based on the results of a dispute with another consumer credit reporting agency no can we dispute information for a consumer with another consumer Credit reporting agencyIf the consumer disagrees with the results of the reinvestigation it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit report Any further concerns regarding the disputed information may need to be directed to the data furnisher reporting this informationIf you have any additional supporting documentation regarding the disputed information, please forward that to my attention for review.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 completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a Court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the Consumer's disputeIn order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the data furnisherIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,Y [redacted] n Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***