Experian

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of May 4, regarding the above mentioned consumer's rebuttal of our response to her complaint.Our records indicate that the disputed Merchant's Credit account does not appear on the Consumer's current Experian credit reportWe have mailed a current Experian Credit report directly to the Consumer for review.We have mailed a current credit report directly to the consumer for reviewIf the Consumer has additional information regarding disputed information, please provide itPlease specify the item or account name and number along with the consumer's specific disputes and the additional informationPlease provide 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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] on behalf of [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs2147264159CC [redacted] ***

[redacted] Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] *** Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] ***

Dear Revdex.com:Our office recently received your correspondence of September 5, 2017, regarding the abovementioned consumer's personal credit report.We are presently investigating the name 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, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

July 28, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] Dear Revdex.com.Our office recently received your correspondence of July 20, 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).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear belowI would like to have this off my credit or stating it is a installment due to it not being a mortgageThis is not a home that I own or will ever own Regards, [redacted]

May 20, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of May 11, regarding the above mentionedconsumer's personal credit report.Our records indicate that we have not previously received this complaint from the Better BusinessBureau.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, [redacted] Senior Regulatory Affairs Associate

December 29, 2014Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] ***REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of December 19, regarding the abovementioned consumer's personal credit reportWe 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 intern asrequested 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, [redacted] Senior Regulatory Affairs Associate

May 20, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of May 11, regarding the above mentioned [redacted] 's personal credit report.Our records indicate that we have not previously received this complaint from the Better BusinessBureau.We are currently investigating the information with which the [redacted] disagreesUpon completionof this process, we will provide the results of our investigation directly to the [redacted] .According to the Fair Credit Reporting Act (FCRA), a national [redacted] credit reporting agency's rolein the dispute process is to review the accuracy and completeness of any disputed item which mayinclude contacting the source of the disputed information and informing them of all relevantinformation regarding the [redacted] 's disputeIf the issue is not resolved, then the [redacted] creditreporting agency must offer to include a [redacted] statement on the personal credit report.The FCRA does not require that the [redacted] credit reporting company obtain documentation suchas the actual signed sales slips, signature cards, contracts, etc.; nor does it require that [redacted] credit reporting agencies act as mediators or negotiators in account disputes.Experian strives to achieve a high level of customer service for all the [redacted] s they assistLet meassure 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.Sincerely, [redacted] Senior Regulatory Affairs Associate

August 27, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] REF#: [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of August 19, regarding the above mentionedconsumer's complaintWe have mailed a current credit report directly to the consumer for reviewIf there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdisputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent orincluded in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed inerror"If the status dates, amounts, balances or other specific data is incorrect, the consumer shouldalso indicate what the correct information should bePlease specify the item or account name andnumber.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 dateof birth)Also, please include one copy of a government issued identification card, such as a driver'slicense, 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 assist Let meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly at [redacted] if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services [redacted] ***

I [redacted] am stating that I have hired a 3rd party company named: [redacted] *** *** ** [redacted] [redacted] [redacted]

Yes, a 3rd party company, aka [redacted] has filing this complaint on my behalfI hereby authorize this complaint.Their information [redacted] *** *** [redacted] ** [redacted] Mr [redacted] * [redacted]

Dear Revdex.com:Our office recently received your correspondence of July 24, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.According to the Fair Credit Reporting Act (FCRA), a national consumer Credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the creditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Experian Consumer Affairs Senior Regulatory Affairs Associate 214726***

May 4, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF #: 132350325Dear Revdex.com:Our office recently received your correspondence of April 25, 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, [redacted] MCE Experian Consumer Affairs Senior Regulatory Affairs Associate ***CC [redacted] S***

May 14, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: [redacted] Ref#: [redacted] Complaint#: [redacted] Dear Revdex.com:Our office recently received your correspondence regarding the above mentioned consumer'sExperian credit reportWe are currently investigating the disputed informationUpon completion of this process, we willprovide the results of our investigation directly to your client.Regarding our investigation process, Experian contacts the source of the disputed information directlyby letter, telephone, or through an automated verification systemWe ask the source to check theirrecords to verify all of the information regarding the item questioned, and report back to us within 30days of the date that we received the consumer's request Once we receive their response, we sendthe consumer the results of the investigationIf we do not receive a response within days weupdate 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 disputeprocess is to investigate the information to determine the accuracy and completeness of any disputeditem by contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's disputeIf the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit reportThe FCRAdoes not require that the consumer reporting agency obtain documentation such as the actual signedsales slips, signature cards, contracts, etc.; nor does it require that consumer reporting agencies actas mediators or negotiators in account disputesPlease forward any documentation directly to thecreditor for review.Please refer to the original Experian personal credit report for the business name, address, and phonenumber (if available) of the source that verified the information.If I may be of further assistance, please contact me directly.Sincerely, [redacted] Senior Regulatory Affairs Associate

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have been trying to dispute things on my credit report but I am told I cant and they do not have to tell me why.There are inquiries that I did not authorize,I am also denied credit because it says I am dead shows I am not current on payments and that is wrong.Customer service is not friendly t all.I want this fixed asap Regards, [redacted] ***

My Name is [redacted] and I authorized CRE Credit Services located at Central Parkway STE Plano, TX to file a complaint on my behalf Thank you, R [redacted] ***

ExperianApril 20, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of April 12, regarding the above mentioned consumer's personal credit report.Our records indicate that we have previously contacted the data furnishers to verify the accuracy of the information with which the consumer disagreesThe disputed information was verified as accurately reported and confirmation was mailed to the consumer for review.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information of 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.If the consumer disagrees with the results of the re investigation, 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 report.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, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have years of experience testing/supporting software and web applications in both startup companies and established businesses, of which, my main job duty for the past years has been writing database query language ( [redacted] both MS & [redacted] ) through system migrations requiring data modeling, and troubleshooting data-integration and data-quality issues My findings at Experian:I) Representatives updating incorrect information does have a negative impact to credit reports/scores:a Programming logic for credit score calculation might be based on things like account type (e.grevolving debt, installment debt), amount of debt this month compared to last month, amount of debt yesterday compared to today, etc., was a payment made (account in good standing?).b Programming logic might look something like a "case-when" statement or an "if-then" statement that might look like: If "X" and "Y" then "Z"These statements can be paragraphs to pages longI once received and troubleshot a query that was pages long when pasted into a word doc.c Programming logic using if-then statement example as it impacted my credit score: IF my balance yesterday on three installment accounts was $AND today the balance of the three installment accounts total $15,(I just increased my installment debt by $15,overnight which is not supposed to happen with installment debt unless I defaulted and/or have penalties), THEN my credit score decreased by points.d YES, EXPERIAN ADDED BACK MY SEPTEMBER BALANCES TO MY OCTOBER CREDIT REPORT THAT WERE PREVIOUSLY $BALANCE - HAVING A DIRECT AND NEGATIVE IMPACT TO MY CREDIT SCOREWhy didn’t the Experian representative not see that my accounts had been updated by my debtor to $balance, problem solved?!! (FYI – this could be impacted by Experian account IDs don’t match debtor account IDs on statements– see below.)e The negative impact to my credit score is not rectified when the balances are corrected back to $because the bad data still exists in the database and is used as part of the calculation of my credit scoreI received an additional loss of points when the balance was returned to $In a matter of weeks I lost points of my credit score for paying off $15,in student loansMy score is still bouncing aroundII) Account numbers at Experian do not match account numbers at debtors:a If I am disputing information on Experian, and I have student loans, in the dispute the account number lists the beginning "X" amount of numbers and not the endingThe beginning "X" amount of numbers are the exact same for all loansIt’s a crap shoot.b Even if I could see the ending numbers instead of the beginning, the accounts on my statements from my lender do not match the account numbers for the same loans at ExperianSo any document I submitted in support of my dispute are null/voidI know because I had a call with an Experian rep and a Navient rep, and they could not communicate with each other about the account numbers they had to go by year/mo of loan and original loan balanceA real hoot!III) Uploading documents is broken, ineffective and creates duplication of effort:a Greater than six times on three separate occasions I tried to upload documents each 523KB to support my disputes, and I received errors that my documents were to large, that they must be under 15MBI think I successfully loaded times on separate occasions.b Experian rep could not locate the documents I loaded stating there was one from Once he found the document (single) he said there were just blank pages and no informationHe could not help me.c Dispute cases were created for the document uploads instead of being associated to the existing disputesPlease note that when filing a dispute, one does not receive an email with the report number, and cannot view the dispute until resolvedso someone like me does not have access to the report number to reference when uploading documentsPlease email confirmation of the dispute at the time filed with the report ID!IV) Credit Score Simulator is incredibly accurate until it’s not:a If I consistently get the predicted increases to my credit score due to Experian’s Credit Score Simulator calculation, then it creates precedence.b The Credit Score Simulator calculated an increase of points for paying off $15,in student loansIt would put me over my goal of a greater than 800-credit scorec I earned a point decrease, (15+23) points lower than expectedSomeone needs to fix something hereWording maybe? Like if you pay down (not pay off) student loans, you’ll get an increase, and do not file a dispute, it will negatively impact your credit score.d I’ve actually paid off $12,in credit card debt and $15,in student loans and my credit score is lower today than it was before I paid off $27,in debt on October 17, I was at and now I'm currently at I have to say it, all my accounts are in good standing, and my one ding is from years agoIf Experian puts bad data in the database from which the credit scores are calculated then, they are actually responsible for the credit score they provide/present Who is your data architect and application architect, and who is responsible for writing the code that calculates credit scores? Who is your test engineer? In other words, who's responsible for this stuff?! How do you get feedback? How do you utilize the feedback? What is your quality metrics? KPIs? Who are you accountable to if not the consumer?I've had a rof crappy experiences with Experian, and rather than address the issues, Experian provides canned responses and are lacking in accountability for their tracking of consumer credit Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I've been dealing With credit theft fraud for over a year now and trying to recover from it but theirs some things still on my credit report that hasn't been removed and after many attempts to contact credit bureaus and sending in many documents these things are still on my credit reports and its affecting me from buying house these accounts and inquires are reflecting negatively on my credit report they include: [redacted] Regards, [redacted]

Yes there is a third party working on my credit [redacted] , and it is regarding Experian