Experian

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 is absolutely INCORRECT! I pulled a new credit report today and *** credit union is still currently reportingExperian stated it's not on there but it is! *** needs to be deleted and removed off my file! *** *** stated they DO NOT REPORT TO EXPERIAN ON THIS ACCOUNT ON MY FILESo why is Experian updating and reporting an account that's not mine especially if the creditor said themselves they're not the ones reporting itBoth *** *** accounts were previously deleted the reinserted without any form of notification of reinsertionThis is against the law!! Experian needs to remove these accounts otherwise their violations will be pointed out and I will go after compensation I'm entitled to by law for damages
Regards,
*** ***

Dear Revdex.com:Our office recently received your correspondence of August 22, 2017, regarding the above mentioned 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 to the 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 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, 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
I have contacted Experian times disputing items on my creidt reportThe first time they ignored the letter and said they would not investigageThe 2nd time they investigated the items but claimed they were correctThe 3rd time, Experian has said they will not investigageMy SSN is *** and my DOB are *** THanksI am requesting Experian stop ignoring my letters and reinvestigate what I have an issue withI am requesting Experian to remove all negative information form my credit report immediately
Regards,
*** ***

January 14, 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 January 7, regarding the above
mentionedconsumer's personal credit report.An Initial Security Alert has been added to the consumer's credit reportThis message, which willexpire after days, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.We are currently investigating the *** ** *** #***xxxx and ***#***xxxx with which the consumer disagreesUpon completion of this process, we will providethe results of our investigation directly to the consumer.Regarding the *** *** *** ** *** judgment, our records indicate that wepreviously investigated this public record on 08/12/and 12/08/confirming it's accuracy at thepublic record officeOn 11/11/we updated this account to indicate "satisfied" based upondocumentation that the consumer had providedInformation about a judgment remains on thepersonal credit report for seven years from the date it was filed in court.If the consumer has any additional supporting documentation regarding the disputed information, theymay forward that to us for review.To help protect against fraud, we do not display complete account numbersFor the same reason,many credit grantors do not report your exact account number on the personal credit reportYou maywant to check on your credit card, look for original loan documents or contact the credit grantor if youneed the full account number.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 if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

Our office recently received your correspondence of October 17, , regarding the above-rnentioned consumer's personal credit reportAn Initial Security Alert has been added to the consumer's credit report on August 3, This message, which will expire after days, alerts credit grantors to
verify the consurner's identification in case someone is using their information without tteir consentWe are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our directly to the consumer.When a consumer disputes the accuracy or completeness of information on he personal credit report and tells us specifically why trey believe the inforrnation is inaccurate or iroomplete, we process the dispute as required by law We contact the furnisher of the information or the vendor that collectedthe information from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnister or vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within thetirne frarne required by lawWe review and consi&r the response to determine whether to accept it, reject it, or follow up for additional informationIf, after we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modifythat information, as appropriate, based upon the dispute ard the results of our processirgIf we donot receive a response from typ fumisher or the vendor within the required period, we update the itemas requested or delete the inforrnation, In some instances, upon reviewing the credit file and any relevant information subrnitted to us, we are able to determine whether the disputed informationshould be changed or deleted without having to contact the fumisher or the vendorInvestigations can take as long as days to reach a conclusion After we complete our processing, we send the consumer the results.In addition to the consurrer's right to disFNte information in the credit file with tre credit reporting the consumer also has the right to dispute inforrnation in the credit report directly with thefurnisher of the information.According to the Fair Credit Reporting Act (FCRA), a national consurner credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which include contacting the fumisher of the inforrnation or the vendor that collected the inforrrztion 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 corsurner's disputeIn order to help resolve the consurner's dispute, Experian will review all relevant docurrents submited by theconsumer with the dispute ard will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly todispute iterns reported by the creditorIf the issue is rot resolved, then the corsurner credit reporting agency must offer to include a consumer staterpnt on the persorøl 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 revie,q the original iMorrnation 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 corsurners they assistLet me assure you that Experian takes its commitrnent to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questionsSincerely,*** ***Senior Regulatory Affairs Associate Experian Consurrpr 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
Regards,
*** ***

ExperianJune 20, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID #*** ***Dear Revdex.com.Our office recently received your correspondence of June 9, 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 *** *** ***

Thank you for providing feedback regarding your experience with ***TM through ***, we apologize for any inconvenience this may have causedYour account is no longer active as of November 18, per your request and your personal information has been removed from our systemWe can
assure you that you will not be billed, no actions will be taken towards your finances, and no further correspondence will be sent.Thank you

If the consumer has any additional supporting documentation regarding the disputed information, they may forward it directly to me for review.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,
*** ***Senior Regulatory Affairs Associate
Experian Consumer Affairs
*** *** ***

July 24,2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** ***REF#: ***Complaint ID #***Dear Revdex.com:Our office recently received your correspondence of July 15, regarding the above
mentionedconsumer's complaint.An Extended Security Alert has been added to the consumer's credit reportThis message, which willexpire after years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.We 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 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*** *** ***

:::::: ExperianFebruary 19, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # ***REF# ***Dear Eetter Business Eureau.Our office recently received your correspondence of February 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 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 it* *** ** *** *** *** *** *** *** *** *** ** ** *** *** *** *** *** *** ** *** *** *** ***
***
*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services

:::::: ExperianMarch 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 February 22,
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 our office 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
Please delete asap
Regards,
*** ***

Yes there is a 3rd party working on my creditThank you *** ***

May 29, 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 May 20, regarding the above
mentionedconsumer's personal credit report.An Extended Security Alert has been added to the consumer's credit reportThis message, which willexpire after years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consent.Our records indicate that we previously conducted investigations regarding the disputed information,providing the creditors with copies of the documentation that we had received from the consumer.The creditor verified the accuracy of the accountsResults of the investigation were provided directlyto the consumerIf the results of the investigation are questioned, the consumer may want to contactthe source of the information directlyThe Consumer can refer to the original personal credit report forthe source business name, address, and phone number (if available).If the consumer still wishes to have this information blocked, please submit a complete, valid, legibleidentity theft police report (an official report filed with an appropriate federal, state, or local lawenforcement agency, including the U.SPostal Inspection service or others, the filing of whichsubjects the person who filed the report to criminal penalties if the information filed is false), Theidentity theft report should include as many of the following elements as possible: Specific dates suchas when the loss or theft of personal information occurred or when the fraud(s) occurred, how youdiscovered or learned of the theft, any known information about the perpetrator, name or badgenumber, and signature of the law enforcement personnel who processed the report, and the filing dateand case numberAlso, please list each account and account number and any other information thatyou believe appears on your credit report due to identity theftIf the consumer does not provide Experian with the required information specified above, they will nothave submitted a valid request to block information in their personal credit report due to an identitytheft and no information will be blocked.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 Associate

::::: Experian?November 6, 2015Revdex.com Serving San Diego and Imperial Counties Viewridge Ave #San Diego, CA 92123RE: *** *** Complaint ID: *** REF# ***Dear Revdex.com.Thank you for submitting your complaint dated 10-29-2015, regarding the above
mentioned consumerWe appreciate that your office took the time to let us know about their experience with our company.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.For additional assistance, the consumer may call me directly at 214-726-4081, or write to Experian at P.O Box 1240, Allen, TX Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,* * ** *** *** *** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services*** *** ***

March 23, 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 dated March 11, 2016, regarding the
above mentioned consumer's personal credit report.We are currently investigating the information with which your client disagreesUpon completion of this process, we will provide the results of our investigation directly to your client.The consumer may want to contact the creditors involved in this situation to explain the circumstancesThey may request for your client to complete an affidavit of fraud so they may further investigate the disputed accountsAdditionally, it may be in your client's best interest to file a police report regarding this situationOnce filed, please forward a copy to my attention for retention in the consumer's file,A Security Alert has been added to your client's credit reportThis message, which will expire after days, alerts credit grantors to verify your client's identification in case someone is using their information without their consentAs an additional precaution, we have removed your client's name and address from prescreened offer mailing lists for six monthsFor the consumer's convenience, we will share this security alert request with the other national credit reporting agencies, Equifax and Trans Union.Thank you for allowing me to assist youPlease contact me directly if I may be of further assistance regarding this matter.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***

July 15, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123R* *** ** *** *** ** * *** ***Dear Revdex.com.Our office recently received your correspondence of July 7, regarding the above
mentioned consumer's personal credit report.Our records indicate that the disputed information does not appear on the consumer's current Experian credit reportWe have mailed a current Experian credit report directly to the consumer 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 if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***
*** *** ** ***

June 29, 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 June 18, regarding the above mentionedconsumer's rebuttal of our response to her complaint.Our records indicate that the five dismissed bankruptcies were investigated on 06/07/when theconsumer requested removal because "I never actually went through the bankruptcy process and Idropped it so please take it off my record"The bankruptcies were investigated again on 05/15/2015as "not mine due to identity theft".In each instance, the information was verified as accurate at the US Bankruptcy Courts in***, ** and *** **If the consumer disagrees with the results of the reinvestigations,it is his legal right, under the FCRA, to add a 100-word statement specifying the nature of theirdisputeThe statement will appear with the item as long as the item remains on the credit reportAnyfurther concerns regarding the disputed information will need to be directed to the sources of theinformationThe consumer may refer to his original personal credit report for the source address andphone number (if available).If a bankruptcy was dismissed or withdrawn, it appears on the personal credit report because everyaction that relates to credit may become part of the credit historySo even though the court did notallow the completion of the bankruptcy, the fact that the case was documented allows it to appear onthe personal credit report.Bankruptcies typically do not result from fraudulent activities; therefore, we are requesting additionalinformation that the consumer must provide in order for us to act on his requestPlease provideadditional information that supports the consumer's claim and we will then determine whether to blockthe item(s) as requestedTo protect personal identification information, Experian does not returncorrespondence sent to usSend copies of any documents you wish to provide to us and alwaysretain your original documentsYou may also submit your request or documents supporting yourclaim electronically at experian.com/upload.Thank you for allowing me to assist youPlease contact us directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

Dear Revdex.com:Our office recently received your correspondence of August 3, 2017, regarding the above mentioned consumer's personal credit report.By federal law, your personal credit report must list all organizations that have requested your Credit historyIn accordance with the Fair
CreditReporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about Credit informationFor example, organizations that have grantral you creditor with whom you have entities collecting ontransactions that you initiated or on Judgments you are permitted to make inquiries on your Credit reportRequests for your Credit history ten if the personal Credit report for at least two yearsInquiries from credit grantors who request your Credit information as part of your application for Credit will display under the heading "Inquiries shared with others or your personal Credit reportThese inquiries display on your Credit report when it is accessed by Others with a permissible purposeThese inquiries may affect your Credit score.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 yo!; have any questions.Sincerely,*** *** Senior Regulatory Affairs AssociateExperian Consumer Affairs *** *** ***