Experian

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to meI have attached all requested documents to support my claimI am requesting that the business review all attached documents and have all stated information removed from my credit reportI will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

( This is a perplexing response, has this company even read my complaint ? I AM A VICTIM OF ID THEFT, this company was to block fraud related items, after they received my notice and ID THEFT report the ignored my requested and did not block the items and thereby violated the FCRA THIS COMPANY NEEDS TO VERIFIY THEY HAVE BLOCKED EACH AND EVERY FRAUD RELATED ITEM MENTIONED IN MY CORRESPONDENCE AND ID THEFT REPORT AND POLICE REPORT, both of which I already sent them Again I am attaching the Police report the FTC ID THEFT REPORT along with correspondence addressed to Transunuion that has the list of fraud related itemsTO RESOLVE THIS ISSUE TRANSUNION NEEDS TO BLOCK THE ITEMS LISTED IN THE ATTACHED LETTERS WITHIN BUSINESS DAYS AS REQUIRED BY LAW ] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

Revdex.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 April 24, 2017, regarding the above mentioned consumer's personal Credit report.To assist you, we must verify the consumer's current delivery addressPlease send us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etcMake sure that each copy is legible (enlarge if necessary), displays the Consumer's name and current mailing address, and the date of issue (statement dates must be recent)We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.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] [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC [redacted]

Revdex.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 April 14, 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)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***

::::: ExperianNovember 20, 2015RevDex.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Case # [redacted] REF # [redacted] Dear RevDex.com.Our office recently received your correspondence of November 12,... 2015 regarding the above mentioned consumer's complaint.Using the identification information you provided, we are unable to locate a credit record for the above-mentioned consumer. The consumer either has no credit history or additional identification information is needed in order to access the Credit information. Please forward the ConSUmer's specific disputes along with the consumer's complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth).Please include one copy of a government issued identification card, such as a driver's license, state |D 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 assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

August 14, 2017, Experian deleted items that I disputed and sent the dispute results to meThen on August 21, I pulled my Experian report so I could have a copy of my updated report confirming the deletions Experian made but the items that were supposed to be deleted were still on my reportSo I called Experian on August 21, and spoke with a customer service rep and he stated that Experian made a mistake and the items were reinsertedI told him this was against the federal law because under FCRA 611(a)(5)(B), three things must happenthe party requesting reinsertion must provide a Certification of Accuracy to the CRA alomg with their request for reinsertionThe CRA must accept the sufficiency of the Certification If the CRA reinserts, they must send the consumer (me) written notification within business days of the reinsertionto tis date I have not received any written notification of reinsertion or ant documentation that these items belong to meI asked the rep to send me what documentation they have and they sated that someone went to the courthouse to get the informationwhich is a lie because the courts DO NOT give any information to the CRAsHow can Experian delete items from my report and then reinsert them without any written notification to the consumerThat is a clear violation of the FCRAI demand these items be deleted

Revdex.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 8, 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)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] Experian strives to achieve a high level of customer service for all the consumers they assistLet 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 AssociateExperian Consumer Affairs [redacted] ***

May 26, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123Re: [redacted] Complaint # [redacted] Ref [redacted] Dear Counselor.Our office recently received your correspondence dated May 18, 2016, regarding the above mention consumer's personal credit report.Experian is committed to the protection of each consumer's privacyTherefore, we disclose the personal credit report only to the requesting consumer who is the subject of the informationWe are in the process of providing the current personal credit report to the consumer for review.Thank you for allowing me to assist youPlease feel free to contact our office directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Service [redacted] ***

Revdex.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 March 20, 2017, regarding the above mentioned consumer's personal Credit report.To assist you, we must verify the Consumer's Current delivery addressPlease send us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and One Copy of a utility bill, bank or insurance Statement, etcMake sure that each copy is legible (enlarge if necessary), displays the Consumer's name and Current mailing address, and the date of issue (statement dates must be recent)We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.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] ***CCT [redacted]

June 26, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] REF: [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of June 14, 2017, regarding the above mentioned Consumer's personal credit report.We are currently investigating the [redacted] Associate and Cavalry Portfolio accounts with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.Additionally, our records indicate that the disputed [redacted] account does not appear on the consumer's current Experian credit reportWe have mailed a current Experian credit report directly 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 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 Cantake 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.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.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 Experian Consumer Affairs [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] ***I attached a copy of the letter I faxed to Experian and they would do nothing about it

Bettes 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 March 7, 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.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 me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***CC [redacted]

::::: ExperianJanuary 15, 2016Revdex.com Serving San Diego and Imperial Counties Viewridge Ave #San Diego, CA 92123RE: [redacted] Your Complaint ID: [redacted] Ref #: [redacted] Dear Better EUsiness Eureau.Our office recently received your correspondence regarding the above mentioned consumer's rebuttal to our recent response dated January 7, 2016.In [redacted] response he indicates that given those perpetrators of fraud had begun to change his address on the accounts that there were on his report and the fact that he cannot have a fraudulent address removed off of Experian credit report is disheartening, where as [redacted] and [redacted] removed the addresses as they were supposed toOur records indicate that the disputed fraudulent address is linked to the following accounts [redacted] County Records tax lien which was filed in May of 2012, and released in January 2015, [redacted] which was open in November 2005, and paid in 2006, [redacted] account number [redacted] which was open in December of 2003, and Closed in November of 2006, [redacted] account: [redacted] which was open in August of 2004, and closed in November of 2006, [redacted] account [redacted] which was open in December of and paid in March of 2006, and [redacted] Card which was open in March of 2003, and paid in October of 2013, which is a joint account.In order to further protect [redacted] credit file and process his dispute of a certain address on his file, please have [redacted] send us a copy of the recent valid identity theft report that he filed when reporting this crimeAn identity theft report is an official report filed with an appropriate federal, state, or local law enforcement agency, including the U.SPostal Inspection service, or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false, or a Federal Trade Commission affidavit with a police officer's signature and police report numberOnce we receive this information then we will proceed accordingly.Please note 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.Thank you for allowing me to assist you.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

This is [redacted] and I authorize this complaint A third party is not doing this for me I am doing it myself My address is [redacted] Thanks!

::::: ExperianNovember 10, 2015Revdex.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 November 2, regarding the above mentioned consumer's personal credit report.We are currently investigating the medical collection account with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the CC,????????.In order to further research the request for compensation, we would need the consumer to provide itemized proof of the specific damages for review and consideration.We have mailed a current credit report directly to the consumer for reviewIf there is additional information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: “not mine, paid in full, never delinquent or included in bankruptcy” or for public record disputes: “not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item or account name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly at [redacted] if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***?? [redacted]

:::::: ExperianFebruary 12, 2016Better Business Eureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID [redacted] REF# [redacted] Dear Eetter EUsiness Eureau.Our office recently received your correspondence of February 4, regarding the above 6mentioned consumer's personal credit report.We are currently investigating the disputed 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 information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorAfter we complete our processing, we send the consumer the results.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 documents.Consumers 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, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services ***C? [redacted]

Dear RevDex.com:Our office recently received your correspondence of September 21 , 2017, regarding the above-mentioned consumer's Experian credit reportWe are currently investigating the bankruptcy information with which fre consumer disagrees. Upon completion of this process, we will... provi& tre results of our investigation directly to the consumer.Judgments, Tax Liens and Bankruptcies are a of public record. Although the court where the disputed public are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to Experian. Experian does not divulge the names of our vendors as this is proprietary information ard they are not the source of this public record information. Experian's method of verification for public records complies with the requirements of the Fair Credit Reporting Act (FCRA).men 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 law. We contact the furnisher of the information or the vendor that collected the information from a public record source st-Eh as a court or other government office eitherelectronically or US Mail We 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 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 that the disputed information is inaccurate, incomplete or canmt be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within required period, we update the item as requested or delete the information, In sorne instances, upon reviewing the credit file and any relevant information 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 as long 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 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 trey may want to contact the furnisher of the information directly or review the original information in the public record. Please refer to the original personal credit report for tt•e 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 assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank youfor allowing me to assist you. Please contact me directly if you have any questions. [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] thanks for the response, I have to reject the company’s response, please see my response below: I just checked my report and the [redacted] * [redacted] is still showing on my Experian credit report which I obtain right now from Experian’s own website, Experian needs to block this fraud related account from my credit reportThanks***

Yes, [redacted] is the third party Their phone number is ###-###-####