Experian

January 6, 2016Eetter BUSiness Eureau Serving San Diego and Imperial Counties Viewridge Ave #San Diego, CA 92123RE: *** *** Complaint ID: *** REF# ***Dear Eetter Business Eureau.Thank you for submitting your complaint dated 12-22-2015, regarding the above mentioned consumer
We appreciate that your office took the time to let us know about their experience with our company.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.For additional assistance, the consumer may call me directly at 2***, or write to Experian at P.OBox 1240, Allen, TX 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 Consumer Affairs Special Services*** *** ***

November 9, 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 October 31, 2016, regarding the above mentioned consumer's 2nd rebuttal of our response to his complaint.BeCause We are unable to locate or aCCeSS a Credit record for the CONSUmer With the identification information provided, we must have his complete identification informationWithout this Complete identification information, we will not be able to assist the Consumer.Complete identification includes his full name, complete Social Security number, current mailing address, previous addresses in the last two years and date of birthPlease 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.The consumer may forward this information by mail to POBox or Experian PkwyAllen TX 75O13, fax it to *** or he may upload the information at www.experian.com/uploadPlease send all correspondence directly to my attention.The Consumer may also call me directly at *** and I will assist him in any way that I can.Thank you for allowing me to assist in this matter.Sincerely,*** *** *** *** *** *** *** *** *** *** ***
** *** *** *** ***

January 6, 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 December 24, regarding the
abovementioned consumer's personal credit report.Our records indicate that the disputed information does not appear on the consumer's currentExperian credit reportWe have mailed a current Experian credit report directly to the consumer forreview.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian fakes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

Yes, there is a 3rd party working on my credit and the company's name is *** *** ***
Thank you,
*** ***

I *** *** *** authorized *** *** *** *** ** *** *** *** *** * *** ** ***) as a third party to act on my behalf in filing this complaint with the Revdex.com. Thank you,*** *** *** **
*** ** ***

Dear RevDex.com:Our office recently received your correspondence of January 17, 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 me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***

Good eveningI am aware that a third party, *** *** *** has filed a complaint on my wife's and my behalfWe have okayed them to do so.Sincerely, *** and *** ***

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.No I'm done and appreciate your help
Regards,
*** ***

April 18, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** BAtaide Complaint ID #***REF# ***Dear Better Busness Bureau.Our office recently received your correspondence of April 8, regarding the above
mentioned consumer's personal credit report.Our records indicate that we previously investigated the disputed bankruptcies with which the consumer disagrees through our vender on 03/10/2016, 09/25/2015, 07/29/and 12/30/In each instance, our vender verified the information as accurately reportedResults of the investigations were provided to the consumer at the conclusion of each investigation.According to the Fair Credit Reporting Act (FCRA), Section (d) (1), if a bankruptcy is withdrawn before a final judgment "the consumer reporting agency shall include in the report that such case was Withdrawn".If these bankruptcies were initiated as a result of identity theft, the consumer should contact the Bankruptcy Trustee at the courts directlyThe US Bankruptcy Court San Jose, CA is located at S1" St., San Jose, CA 95113, telephone 408-291-The consumer may also want to contact the US Attorney and/or the FBI in the city where the bankruptcies were filed.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information may need to be directed to the source of the information, the US Bankruptcy Court in Sanjose, CA If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review.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 if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services ***??*** ** ***

Yes, I do have a 3rd party working on my credit. Thank you. *** *** ***

Yes there is a third party working on my credit. CRE Services

Our office recently received your correspondence regarding the above mentioned consumer's personal credit profile.We are currently investigating the disputed bankruptcies 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 todispute 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.Thank you for allowing me to assist youPlease contact our office if you have any questions

RE *** *** Complaint ID ***REF# ***Dear Revdex.com:Our office recently received your correspondence of September 26, 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 you dispute the accuracy or completeness of information on your personal credit report and tell US Specifically why you believe the information is inaccurate or incomplete, we process your 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 you disputed, and report back within days of the date that we received your 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 you have requested or delete the information, and send you the resultsIn Some instances, upon reviewing your credit file and any relevant information you 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 vendorAfter we complete our processing, we send youthe resultsIn addition to your right to dispute information in your credit file with the credit reporting agencies, you also have the right to dispute information in your credit report directly with the furnisher Of the informationJudgments, 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 Experian. 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 me directly if you have any questions.Sincerely,Michael Lonergan Senior Regulatory Affairs Associate

December 23, 2014Revdex.comServing San Diego and Imperial Coun1iesViewridge Ave., #200San Diego, CA 92123RE
*** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of December 16, regarding the abovementioned consumer's personal credireportWe are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the resul1s 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 thathe 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 itern 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

:::::: ExperianMarch 10, 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 March 1,
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 you*** *** *** *** ** *** *** *** ***
***
*** *** Michael Lonergan 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,
*** ***

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
Experian refuses to adhere to the Fair credit reporting act if they don't feel like it until they are forced to by a US court
Regards,
*** ***

August 20, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of August 11,
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 AssociateConsumer Affairs Special Services*** *** ***

November 12,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
** *** ***
*** ***
*** ** * ***
Dear Revdex.com:
Our office recently received your correspondence of November 4,
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 itern 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

ExperianJune 27, 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 June 17, regarding the
above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the Consumes the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available)