Experian

::::: ExperianNovember 6, 2015Revdex.com 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 October 29,
regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher 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)

November 14, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123*** *** *** *** ** *** *** ***Dear RevDex.com.Our office recently received your correspondence of November 4, regarding
the above mentioned Consumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the Consumer should also indicate what the correct information should bePlease specify the item or account name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one Copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of Customer service for all the Consumers they assistLet 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,*** *** *** *** *** *** *** *** *** *** *** ***
** *** ***

March 27, 2015Revdex.comServing San Diego and Imperial CountiesViewridge
Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of March 18, 2015, 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?

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.I have attached a letter from the Clerk of Court which states, that their office in fact DOES NOT provide information to the credit bureaus as they have claimed to have contacted the office to verify the misinformationTherefore Experian, has made statements in regards to verifying that this information is in fact incorrect information reporting against meSince Experian has failed to provide me valid proof, I now DEMAND that they cease to report this erroneous information immediately!
Regards,
*** ***

Dear Revdex.com.Our office recently received your correspondence dated March 24, 2016, regarding the above mentioned consumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we will provide the results of our
investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification systemWe ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within days of the date that we received the consumer's requestOnce we receive their response, we send the consumer the results of the investigationIf we do not receive a response within days we update the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's disputeIf the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit reportThe FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputesPlease forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directly.*** *** Senior Regulatory Affairs AssociateConsumer Affairs Special Services *** *** ***Sincerely,

Dear Revdex.com:Our office recently received your rebuttal of May 31, 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 disputeExamples of specific
disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item or aCCount name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, Current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of Customer Service for all the Consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC *** ***

Please proceed with the complaint, I approve.*** ***

:::::: ExperianFebruary 16, 2016Better Business Eureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** Ho Complaint ID ***REF # ***Dear Eetter BUSiness Eureau.Our office recently received your correspondence of February 5, 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, 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.Please forward the consumer's specific disputes along with the consumer's complete identification information including Social Security number previous addresses in the last two years and date of birth).Upon receipt of this information, we will process the consumer's request.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 youfor allowing me to assist youPlease contact me directly 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 have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I want Experian credit reporting agency to be compliant with the law, by Experian credit reporting agency permanently delete and remove any and all March and Feb late payment(s) from my Experian credit report for Best buy credit card account # *** *** *** failed to immediately provide prove of any late payment for March or Feb , the law states that a creditor that reports a late payment to a credit reporting agency is required to prove immediate proof of the late payment upon requestAnd Best buy failed to provide me immediate proof of any late payment for March or Feb 2015.
Regards,
*** ***

Dear Revdex.com:Our office recently received your correspondence of May 26, 2017, regarding the above mentioned consumer's personal Credit report.According to our records, the Credit Acceptance account appears as stated on the Consumer's current Experian Credit report, as having been
paid in full in May A copy of the current Experian credit report is being mailed directly to the consumer for review.We are currently investigating the date on which the account was paid in fullUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and Complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the Credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the Consumer the results.In addition to the consumer's right to dispute information in the credit file with the Credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal Credit report for the furnisher or public records office name, address, and phone number (if available)According to the Fair Credit Reporting Act (FCRA), a national consumer Credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the Consumer's 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 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
Need to review report and insure that they followed the law and removed the items that are not legally verified
Regards,
*** ***

Dear Revdex.com:Our office recently received your correspondence of October 30, 2017, regarding the abovementioned 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 tothe 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 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 *** ***

To Whom It May Concern:*** *** Repair has my authorization to act on my behalf regarding credit matters Regards,*** *** (formerly *** ***)

Dear Revdex.com:Our office recently received your correspondence of October 31, 2017, regarding the abovementioned consumer's personal credit report.We are presently investigating the name and employment information with which the consumer disagreesUpon completion of this process, we
will provide the results of our investigation directly to the Consumer.We store information based on identification and address information provided to us by Credit grantors and providers of public recordsOne or more sources of information reported the identification and/or address information you questioned and it is a part of your Credit historyIf you believe this information is inaccurate, you may want to contact the source of the information directlyPlease contact us by phone if you need additional assistance to determine the specific sources of particular identification and address information on your 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, *** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***

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.I have reached out to each company individually regarding this matterNone have responded with the verification or signed applications as requestedBy law you are required to verify and keep these "so called" factual records on file with your officeIf you also are unable to produce verified documentation then I would like to request again, that the inquires are removed from my credit file permanently.
Regards,
*** ***

December 18, 2015Revdex.com 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 December 9, regarding the above mentioned consumer's rebutta! of our response to her complaint.At this time *** ***'s complaint is under reviewWe would like to request that *** *** provide us with copies of cancelled checks or credit/debit card statements indicating her payments to the other two credit reporting agencies for the placement of security freezes on those credit reports, Please include *** ***'s complete identification information.Please mail this information directly to my attention at:ExperianConsumer Affairs Special ServicesPOBox 1240Allen, TX 75013.Orfax the information to: ***Thank you for allowing me to assist youPlease contact me directly at *** if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***CC*** ** ***

SEE ATTACHED.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 directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate Experian Consurner Affairs*** *** ***

Dear Revdex.com:Our office recently received your correspondence of July 21, regarding the above mentioned consumer's personal Credit report.We are currently investigating the information with which the Consumer disagreesUpon completion of this process, we will provide the results
of Our investigation directly to the Consumer.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 riffire 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 effi: utious service seriously Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** Experian Consumer Affairs Senior Regulatory Affairs Associate *** ***

January 30, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** ** *** Complaint ID #***REFi ***Dear RevDex.com:Our office recently received your correspondence of January 30, 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.We store information based on identification and address information provided to us by Credit grantors and providers of public recordsOne or more sources of information reported the identification and/or address information you questioned and it is a part of your Credit historyIf you believe this information is inaccurate, you may want to contact the source of the information directlyPlease contact us by phone if you need additional assistance to determine the specific sources of particular identification and address information on your 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,M*** *** MCE Experian Consumer Affairs Senior Regulatory Affairs Associate ***CC *** ** ***

I *** *** authorize this complaint filed on experianI have hired this 3rd party company below to do this task and answer any questions you may have.*** *** ***
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