Experian

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 *** ***

:::::: 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
Regards,
*** ***

August 11, 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 July 31, regarding the above
mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateConsumer Affairs Special Services*** *** ***

:::::: ExperianDecember 14, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID # ***REF# ***Dear Better EUsiness Eureau.Our office recently received your correspondence of December 15,
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.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information may need to be directed to the creditors reporting this informationPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available)If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly 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 I have attached a letter from the us Bankruptcy courtPer the Us Bankruptcy court my personal information was not provided to Experian advising I filed bankruptcy, the company claims to investigate the matter however the fail to advised who was used so the information can be disputed by the 3rd party vendor usedI have also attached a letter from equifax where they have agreed to remove this bankruptcy after their investigation please accurately review the information and remove this information from my credit file as it is hindering my credit worthiness
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Please delete asap
Regards,
*** ***

::::: ExperianNovember 10, 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 November 2,
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 *** *** ***

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*** *** ***

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

I have authorized my representative to file the complaint

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. Please see attached the letter received three days ago, from ***, regarding the same complain I made with Revdex.com in AtlantaThey have complied with the law and deleted the dismissed chapter bankruptcy from my credit file. *** received the same complaint with the same provided information, (my full name, *** *** *** *** and address) yet Experian states they cannot find my record. They are requesting confidential information, when Revdex.com is very specific not to include that type of information on any responses. Experian has no right to maintain information which the government has deemed nonexistentThe FCRA ( Fair Credit Reporting Act ) mentions nothing in Section 1681c relating to bankruptcy about DISMISSALS or filingsThe law clearly states from " date of adjudication '' or date of " order of relief ''In the case of the voluntary dismissed bankruptcy in my file, it was never adjudicated or relieved and therefore must be removed. Regards, *** *** *** ***

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

July 21, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID #***REF# 127750319Dear Revdex.com.Our office recently received your correspondence of July 13, regarding the above
mentioned consumer's personal credit report.We are currently investigating the *** *** * *** *** *** account and the judgment with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.Our records indicate that we have previously contacted the data furnishers to verify the accuracy of the additional information with which the consumer disagreesThe disputed information was verified as accurately reported and confirmation was mailed to the consumer for review.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information may need to be directed to the creditors reporting this informationPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available)If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us 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 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.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 2, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ** ***REF# ***Dear Revdex.com:Our office recently received your correspondence of February 18, regarding the abovementioned consumer'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 me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

Our office recently received your correspondence regarding the above-mentioned consumer's personal credit report.In order to investigate the consumer's complaint, please forward the consumer's specific disputes along with the consumer's complete identification information (Social Security number,
full name, current address, previous addresses in the last two years and date of birth).Please include one copy of a government issued identification card, such as a driver's license or 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

Dear Revdex.com:Our office recently received your correspondence of August 14, 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 for review.Please feel free to contact our office directly if you need further assistance.Sincerely,*** *** Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

August 21, 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 13, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateConsumer Affairs Special Services*** *** ***

:::::: ExperianFebruary 19, 2016Better Business Eureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID # ***REF# ***Dear Eetter EUSiness Eureau.Thank you for your recent correspondence of February 10,
regarding the above mentioned consumer's Experian credit report.Our records indicate that we previously investigated *** *** Special Part doc# DC on 10/14/2015, the information was verified as accurately reported and confirmation was mailed to the consumer for review.Today I personally telephoned the *** *** Special Part Records Department at 732-677***I was able to confirm with Judicial Clerk #*** that this was indeed an unpaid judgment and that it is accurate as it appears on the Experian credit report, confirming the consumer's full name and present address.When a consumer disputes the accuracy or completeness of information on their personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process their dispute as required by lawWe contact the source of the data to verify the accuracy of the disputed information.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 Experian.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit report.Any further concerns regarding the disputed information may need to be directed to the source, *** *** S*** *** ** *** *** *** ** ***, telephone 732-677-***If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us for review.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly at if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services ***?? *** ***