Experian

June 19, 2015RevDex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** ***Ref #: ***Complaint#: ***Dear Revdex.com:Our office recently received your correspondence dated June 10, 2015, regarding the abovementioned consumer's Experian credit report.We 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 requestOnce 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, *** ***Senior Regulatory Affairs Associate

November 12,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
RE *** ***
REF# ***
Complaint ID # ***
Dear RevDex.com:
Our office recently received your correspondence of November 5, 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

RE: *** *** Complaint ID # *** REF: ***Dear Revdex.com.Our office recently received your rebuttal of February 15, 2017, regarding the above mentioned Consumer's rebuttal of our response to her Complaint.We are presently investigating the disputed accounts with which the Consumer disagreesUpon completion of this process, we will provide the results and an updated copy of his credit report directly to the Consumer.When a Consumer disputes the accuracy or Completeness of information on their personal Credit report and tell us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that Collected the information from a public record source such as a Court or other government officeWe ask the furnisher or the vendor to conduct a thorough and Complete investigation to verify all of the information regarding the item the Consumer disputed, and report back within days of the date that we received the request We review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, and send the consumer the results if, 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 processingIn some instances, upon reviewing the Credit file and any relevant information the Consumer has 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 the consumer the results.If the Consumer questions the results of the dispute process, then they may want to Contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal Credit report for the furnisher or public records office name, address, and phone number (if available).Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Experian Consumer Affairs ***

::::: ExperianDecember 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 complaint.We have mailed a current credit report directly to the consumer for review.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, military 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 meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

& .3June 8, 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 31, 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)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 *** *** ***

Dear Revdex.com:Our office recently received your correspondence of October 9, 2017, 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, rever delinquent or included in bankru#y" 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 should also indicate what the correct inforrnation should bePlease specify the item or account name and number.Please provide the consumer's specific disputes alorg 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 ccm 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 youfor allowing me to assist you.Sincerely,*** ***
Senior Regulatory Affairs Associate Experian Consumer Affairs*** *** ***

Our office recently received your correspondence of July 21, 2017, regarding the above mentioned Consumer's personal Credit report.We are currently investigating the information with which the Consumer disagreesUpon completion of this process, we will provide the results of our investigation
directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of Our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the Credit file and any relevant information submitted to US, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations 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.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 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 AssociateExperian Consumer Affairs

June 5, 2015Revdex.comServing San Diego and
Imperial Coun1iesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of May 28, 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 been trying to dispute items on my credit report for months now with this credit bureauI call in and give them the same information that I provide on my dispute letter and they find my file perfectly fine with no problemThey give me the run around and make up laws that are not listed under the FCRAI have sent four dispute letters for the three accounts that I am disputingI demand them to remove the inaccurate accounts that is on my credit fileI am them to provide me in mail a physical copy of the original contract that they used to put the file on my account in the mail within daysI ask them to provide me permissible purpose and a written authorization under FCRA sections 604, 605(b), 609, I demanded that if they found the account to be valid, I request to see the original contract or promissory note with my signature binding me to the contractThey have fail to provide that on four different occasion and still report the accounts to my credit fileI asked them to stop reporting the inaccurate account to my file until the physical identification has been property physically verified by a agencyI have received four automatic generated letters from this company stating that they were unable to honor my recent request because I didn't provide sufficient identification information for them to verify my identityI provided this company my full name as it is on my license and credit reportI provided them my full address as stated on my license and credit reportI gave them my date of birth as stated on my license and credit fileI gave them my full social security number and the accounts that were in questions with the account number that was placed on my credit reportI find it deeply troubling that a company refuses to break the law and honor my requestI find it deeply troubling that this company fail to keep safe of my privacy information and just threw it someone and send out a automatic generated letter
Regards,
*** ***

Dear Revdex.com:Our office recently received your correspondence of July 27, regarding the above mentioned consumer's rebuttal of our response to their complaint.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,*** *** Senior Regulatory Affairs Associate

August 28, 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 21, regarding the above
mentionedconsumer's personal credit report.Our records indicate that we have not previously received this complaint from the Better BusinessBureau.According to our records, the security alert appears as stated on the consumer's current Experiancredit report, with his current telephone numberA copy of the current Experian credit report is beingmailed directly to the consumer for review.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateConsumer Affairs Special Services*** *** ***

Dear Revdex.com:Our office recently received your Correspondence of September 20, 2017, regarding the abovementioned consumer's personal Credit report.We apologize for any inconvenience MsLange experienced in her previous contact with ExperianOur records indicate that the consumer
was able to place a Security Freeze on their Experian credit report on September 18, 2017, using our websiteIf the Consumer has additional concerns or questions she may contact me directly at 214-726-*** and I will assist her in any way that can.Additionally, we are in the process of providing the consume; with their current Experian personal Credit report.We apologize for the difficulty the consumer encountered while attempting to obtain their credit reportExperian is committed to the protection of each consumer's privacy and the security of their personal information and Credit report.Please understand that not every consumer is guaranteed online access to their Credit report, that is why we also offer the option of writing in or calling in to request your credit report or request investigationsWe are in the process of mailing a current Copy of the Credit report to the consumer for review.Equifax announced on September 7th that they recently discovered a data breach in their system that affected a large number of consumersAs with any data breach, this is an unfortunate situation for impacted consumersTo be clear, this is an Equifax incident unrelated to ExperianWe have no indication, nor any reason to believe we were affected however, we stand ready to support impacted Consumers as needed.For specific information regarding this data breach, the consumer may contact Equifax at 866-4477559.Not everyone will be a victim of identity theft as a result of a breach, but keeping informed can help the Consumer mitigate risk when dealing with any data breachWhen a breach does occur, the consumer can take action by doing a few things.Stay alertIf the Consumer have been part of a data breach, the breached company may send them a noticeRetain all documents and consider any suggestions they may haveAlso, pay attention to and retain any mail they receive that is unfamiliar to them, such as notices from the IRS regarding their taxes or any bills from unknown lenders. Monitor financial accountsThe consumer can visit their online bank and financial accounts, and set up any alert features they may have, if the Consumer has not already done soThis could help save them sometime and keep them notified of any unusual events when they occur.Monitor credit reportsThe consumer can check their credit report for free once every twelve months by visiting AnnualCreditReport.comChecking Credit reports can help the consumer identify any unusual activity, such as new accounts, new personal information or inquiriesExperian free credit report members can check their Experian Credit report for free every days on sign in.Also, if the consumer is already a member of Experian identityWorks", they can lock and unlock their Experian credit report at any time.For more information regarding their Credit and frequently asked questions, the Consumer may visithttp://www.experian.com/blogs/ask-experian/category/blog/protecting-your-id...⇄ strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its Commitment to efficient expeditious service seriouslyThank you for allowing me to assist youPlease Contact me directly if you have any questions.*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

February 11, 2015*** ***Revdex.comViewridge Ave #200San Diego, CA 92123-1688RE: *** ***ID#***Our File No: ***Dear Ms***:This letter is in response to your recent correspondence dated February 3, 2015regarding Mr***'s Experian credit report.The address for
Experian Information Solutions Inc., ** *** *** *** ***, TXor mailing address of * * *** *** *** TX 75013.In order to serve legal documents on Experian, they must be served on theRegistered Agent for ExperianIn the state of Texas, the Registered Agent forExperian Information Solutions Incis * * ***.Please have Mr*** contact me directly if I may be of further assistance.Sincerely,*** ***,Senior Legal & Compliance Specialist

November 17,
Revdex.com
Serving San Diego and
Imperial Counties
Viewridge Ave., #
San Diego, CA
RE *** ***
REF# ***
Complaint ID # ***
Dear Revdex.com:
Our office recently received your correspondence of November 10, regarding the above
mentioned consumer's personal credit report
We are currently investigating the information with which the consumer disagreesUpon completion
of this process, we will provide the results of our investigation directly to the consumer
When a consumer disputes the accuracy or completeness of information on the personal credit report
and tells us specifically why they believe the information is inaccurate or incomplete, we process the
dispute as required by lawWe contact the furnisher of the information or the vendor that collected the
information from a public record source such as a court or other government office either
electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete
investigation to verify all of the information regarding the disputed item, and report back within the time
frame required by lawWe review and consider the response to determine whether to accept it, reject
it, or follow up for additional informationIf, after processing, we find that the disputed information is
inaccurate, incomplete or cannot be verified, we then delete that information, or modify that
information, as appropriate, based upon the dispute and the results of our processingIf we do not
receive a response from the furnisher or the vendor within the required period, we update the 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

RE: *** *** ***n Complaint ID #***REF ***Dear Revdex.com.Our office recently received your correspondence dated October 20, 2016, regarding the above mentioned Consumer's complaint.We have mailed a current Experian credit report to the consumerIf there is information
appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeWe are unable to investigate inaccurate information on the credit report without knowing which item or account is inaccurate along with the specific nature of the inaccuracyPlease specify the item(s) or account name(s) and number(s) along with the specific dispute(s).Our records indicate that we have not received the mentioned documents (police report and signed sworn affidavit) in the past from the consumer.To insure receipt, the requested information is as follows:When a consumer disputes the accuracy or completeness of information on their personal credit report and tell us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a Court or other government officeWe ask the furnisher or the vendor to verify all of the information regarding the item disputed, and report back within days of the date that we received the request (days for Maine residents and days for disputes of information on an annual free credit report)We review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon your dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, and send the Consumer the resultsIn some instances, upon reviewing the credit file and any relevant information the Consumer may have submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorAfter we complete our processing, we send the Consumer the resultsIn addition to the Consumer's right to dispute information in their Credit file with the Credit reporting agencies, the Consumer also has the right to dispute information in the Credit report directly with the furnisher of the information.If the consumer guestions the results of our dispute process, then they may want to contact the furnisher of 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 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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.*** *** Senior Regulatory Affairs Associate

RE: *** ** *** Complaint ID # *** REF: ***Dear Revdex.com:Our office recently received your correspondence of May 15, 2017, regarding the above mentioned consumer's Experian Credit report.If a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal
Credit report because every action that relates to credit may become part of the Credit historySo even though the court did not allow the filing of the bankruptcy or the bankruptcy did not gothrough, the fact that the case was documented allows it to appear on the personal Credit report.According to the Fair CreditReporting Act (FCRA), Section 605(d) (1), if a bankruptcy is withdrawn before a final judgment "the consumer reporting agency shall include in the report that such case was WithCraWn”.The bankruptcy dismissed withdrawn status will remain on the consumer's Experian Credit report for seven years from the filing date.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 13,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San
Diego, CA
RE *** ***
REF# ***
Complaint ID # ***
Dear Revdex.com:
Our office recently received your correspondence of November 7, 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

January 27, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID #***REFi 130636323Dear Better BUSimeSS Bureau:Our office recently received your correspondence of January 19, 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,Michael Lonergan MCE Experian Consumer Affairs Senior Regulatory Affairs Associate 4159CC *** ***

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,
*** ***

I, *** *** *** give *** *** *** full authorization