Experian

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 *** ***

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,
*** ***

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 ***??*** ** ***

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,
*** ***

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*** *** ***

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,
*** ***

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 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,*** *** *** *** *** *** *** *** *** *** *** *** ***

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

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

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

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***

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,*** *** *** *** *** *** *** *** *** *** ***
** *** *** *** ***

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 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,
*** ***

Dear *** ***:RE: Revdex.com complaint ID# ***.I authorized a third party, CRE Credit Services to file and persue in my behalf Please release this complaint from hold. Thank you,*** ***ID# ***

*** *** repair is representing me I give permission.Thanks*** ***

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*** ** ***

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

June 1, 2016Revdex.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 May 23, regarding the above
mentioned consumer's personal credit report.To assist you, we must verify the consumer's current delivery addressPlease send us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etcMake sure that each copy is legible (enlarge if necessary), displays the consumer's name and current mailing address, and the date of issue (statement dates must be recent)We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** *** * *** ** ***