Experian

Dear Revdex.com:Our office recently received your Correspondence of August 18, 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 frame required by lawWe review and consider the resporise 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 itemas 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 origina! Irformation 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,*** *** Senior Regulatory Affairs AssociateExperian Consumer Affairs *** ***

March 24, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID ***REF# ***Dear Revdex.com.Our office recently received your correspondence of March 17, regarding the above
mentioned consumer's complaint.Using the identification information you provided, we are unable to locate a credit record for the abovementioned consumerThe consumer either has no credit history or additional identification information is needed in Order to access the Credit informationPlease 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 ID card, etcand 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-if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** *** *** ***West 145th St#New York, NY

June 25, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123Re: *** ***Ref: ***Complaint#: ***Dear Revdex.com:Our office recently received your correspondence dated June 17, 2015, regarding the above
mentionconsumer'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 for review.Please feel free to contact our office directly if you need further assistance.Sincerely, *** ***Senior Regulatory Affairs Associate

March 8, 2017Revdex.com Serving San Diego and Imperial Counties Viewridge Ave., #San Diego, CA 92123RE: *** *** Complaint ID # *** REF: ***Dear Revdex.com:Our office recently received your correspondence of February 28, regarding the above mentioned consumer's rebuttal of our response to his complaint.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).Thank you for allowing me to assist youPlease contact me directly if you have any questions.*** ***
*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs 214726.***

RE *** *** Complaint ID #*** REF ***Dear Revdex.com,Our office recently received your correspondence of October 21, regarding the above mentioned consumer's rebuttal of our response to his complaint.Our records indicate that we previously initiated investigations of ** *** ** *** *** *** *** *** Dismissed on 10/7/and 1019/2014,In each instance, the data furnisher verified the accuracy of the informationResults of each investigation were provided directly to the consumer for reviewBecause the data furnisher confirmed the accuracy of the disputed information, we must respectfully decline the consumer's request to remove the dismissed bankruptcy from the Experian credit report.If the Consumer disagrees with the results of the reinvestigations, it is their 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 will need to be directed to the sources of the informationThe consumer may refer to their original personal credit report for the furnisher's address and phone number (if available).If the Consumer has any additional supporting documentation regarding the disputed information, they may forward it directly to me for review.Our records further indicate that we mailed the consumer the requested federal Fair Credit Reporting Act (FCRA) mandated method of verification on 10/4/16.To insure receipt, the requested information is as follows:When a consumer disputes the accuracy or completeness of information on their personal credit report and tell 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 verify all of the information regarding the item disputed, and report back within days of the date that we received the request (days for Maine residents and days for disputes of information on an annual free credit report)We 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 your 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, and send the Consumer the resultsIn some instances, upon reviewing the credit file and any relevant information the consumer may have 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 vendor.After we complete our processing, we send the Consumer the resultsIn addition to the Consumer's right to dispute information in their 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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** ** *** Complaint ID # *** REF: 1***Dear Revdex.com:Our office recently received your correspondence of May 10, 2017, regarding the above mentioned
consumer's personal credit report.We are currently investigating the *** *** *** *** *** ***Gap accounts with which the Consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.The disputed *** *** account is being reported as "paid in settlement for less than the full balance" account which indicates that arrangements were made between the consumer and the Credit grantor to accept a lesser amount of the original balance as paymentBecause the account is closed to future charges, it is considered to be a "closed account.""Paid in settlement for less than the full balance" accounts remain on your personal credit report for seven years from the date of the initial missed payment that led to the delinquencyIf you were never delinquent prior to settlement, the account will remain on your personal Credit report for seven years from the date paid in settlement.The disputed *** *** ACCount is being reported as a "paid collection account" meaning that the account is paid, but the Credit grantor had sent the account to an internal collection department, hired an attorney or contracted with a collection agency to collect the paymentsThis information will remain on the personal credit report for seven years from the initial missed payment that led to the Collection.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 theIn 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, *** ***Senior Regulatory Affairs Associate Experian Consumer Affairs 214726***CC *** ** ***

June 18, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Dear Revdex.com:Our office recently
received your correspondence of June 10, 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,*** ***Senior Regulatory Affairs Associate

Dear Revdex.com:Our office recently received your correspondence dated July 18, 2017, regarding the above mentioned consumer's personal credit report.A personal credit report, by law, must list all parties that have requested a consumer's Credit historyAccording to the Fair
CreditReporting Act, credit grantors with a permissible purpose may inquire about credit informationRequests for your client's credit history remain on the personal credit report for yearsThe federal Fair CreditReporting Act (the "FCRA") section outlines permissible purposes of Consumer reports.The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer's profileThey are only logged on the report, when in fact, an inquiry was madeA record of this activity, pursuant to federal law, must remain a part of recordPlease note that Experian does not receive a copy of any applications made to credit grantorsThe consumer may wish to contact the creditor directly for that information.Therefore, we must respectfully deny the consumer's request to remove the inquiriesIf I may be of further assistance you, please feel free to contact me directly.Sincerely,*** *** Senior Regulatory Affairs Associate

I give *** permission to file a complaint against Experian on my behalf.*** ***###-###-####

:::::: ExperianFebruary 19, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # ***REF# ***Dear Eetter Business Eureau.Our office recently received your correspondence of February 10,
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.***
*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services ***

Revdex.com:
I have reviewed the response made by the business in
reference to complaint ID ***, 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,
*** ***

RE: OSWaldo RamOS Complaint ID # *** REF: ***Dear Revdex.com:Our office recently received your correspondence of September 18, 2017, regarding the abovementioned 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.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 source of the disputed information and informing them of 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.*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs 214726***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[This reply is not a statement for my credit report. A bankruptcy does not have anything to do with credit reporting if it is dismissedI have already fought and won this with other credit reporting agenciesIf you do not remove, I will proceed with small claims court and beyond because Experian has caused me to be declined for credit due to multiple bankruptcies, most recently ***I have the supporting evidence I will provide to the court stating this was the reason for the declineThe bankruptcy case was dismissed based on an error out of my control, and the filing attorney and bankruptcy court will testify on my behalf of not my errorI was assured the first case (dismissed) would not become part of my credit bureauThank you for acknowledging I filed a disputeBased on the lack of investigation on why the case was dismissed, this will further my case against Experian. A bankruptcy only applies to credit if it is discharged or has a meeting of creditorsMy case never past the filing stageNo creditors were notified from that filing I was planning to file. You have my information if you want to feel free to correct the credit report and contact meIf not, please reply to the Revdex.com and *** cases.]
Regards,
*** ***

August 22, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE A*** *** Complaint ID ***REF# ***Dear Revdex.com.Our office recently received your correspondence of August 12, regarding the above
mentioned consumer's personal credit report.Our records indicate that we received correspondence from the consumer on June 28, Requested investigations were initiated with results being provided directly to the consumer by mail.We are currently investigating the information with which the consumes 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 of 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 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,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

Dear Revdex.com:Our office recently received your correspondence of July 19, 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 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.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 dispute In order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those 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,*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

August 21, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Thank you for your recent correspondence of August 12, regarding the above
mentionedconsumerOur records indicate that we previously contacted *** *** *** on06/02/and again on 07/06/to verify the accuracy of the information with which theconsumer disagreesIn both instances the creditor responded that the disputed information wasverified as accurately reportedResults of these investigations were mailed directly to the consumerfor review.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.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, underthe FCRA, to add a 100-word statement specifying the nature of their disputeThe statement willappear with the item as long as the item remains on the credit reportAny further concerns regardingthe disputed information may need to be directed to the creditors reporting this informationPleaserefer to the original personal credit report for the furnisher or public records office name, address, andphone number (if available)If the consumer has any additional supporting documentation regardingthe disputed information, they may forward that to us for review.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting company'srole in the dispute process is to investigate information to determine the accuracy and completenessof any disputed item by contacting the source of the disputed information and informing them of allrelevant information regarding the consumer's disputeThe FCRA does not require that theconsumer credit reporting company obtain documentation such as the actual signed sales slips,signature cards, contracts, etc.; nor does it require that consumer credit reporting companies act asmediators or negotiators in account disputes.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly at if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateConsumer Affairs Special Services*** *** ***

Dear Revdex.comOur office recently received your correspondence of October 9, 2017, the above mentioned consurner's complaint.We have mailed a current credit report directly to the corsumer 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: anot mine, paid/satisfied, vacated or filed inerror"If the status dates, amounts, balances or other specific data is incorrect, tre consurner should also indicate what the correct information should bePlease specify the item or account narne andnumber.Please provide the consumer's specific disputes 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 of a governrnent issued identification card, such as a driver's license, state ID card, etc., and ore copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consurners they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing to assist you.Sincerely,*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs
*** *** ***

Yes, there is a third party working on my credit.-***-*** ** ***

June 29, 20t1Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123Re: *** ***Ref: ***Complaint#: ***Dear Revdex.com:Our office recently received your correspondence dated June 18, 2015, regarding the above
mentionconsumer'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 for review.Please feel free to contact our office directly if you need further assistance.Sincerely, *** ***Senior Regulatory Affairs Associate