Experian

April 1, 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 March 24, regarding the above
mentionedconsumer's personal credit reportWe have mailed the consumer their current Experian personal credit report.Additionally, we are currently investigating the *** ** *** accounts account with whichthe consumer disagreesUpon completion of this process, we will provide the results of ourinvestigation directly to the consumer.Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly at *** if you have any questions orrequire additional assistance.Sincerely,*** ***Senior Regulatory Affairs Associate

Our office recently received your correspondence of July 24, regarding the above mentionedconsumer's rebuttal of our response to her complaint.In the rebuttal, the consumer did not provide details of their dissatisfaction or additional informationregarding the disputed information on his Experian credit report.We have mailed a current credit report directly to the consumer for reviewIf the consumer hasadditional information regarding disputed information, please provide itPlease specify the item oraccount name and number along with the consumer's specific disputes and the additional information.Please provide their complete identification information (Social Security number, full name, currentaddress, previous addresses in the last two years and date of birth)Also, please include one copy ofa government issued identification card, such as a driver's license, state ID card, etc., and one copy ofa 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

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 FORWARD THIS COMPLAINT TO EXPERIAN CONSUMER ASSISTANCE CREDIT BUREAU ""*** "" DEPT LOCATED IN IN ALLEN, TX *** TO THE HEAD SUPERVISOR OF THE "***" DEPARTMENT WHO IS ABOVE THE MGR "***"!! SOMETIME AGO, EXPERIAN TOOK IT UPON THEMSELVES TO BLOCK ME FROM ONLINE ACCESS INCLUDING DISPUTING INFORMATION ON MY CREDIT REPORT FOR NO KNOWN REASONEVERYTIME I NEED TO ACCESS MY CREDIT REPORT OR DISPUTE AN ITEM, I AM PUT ON A HOLD A LENGTHY TIME AND TRANSFERRED MULTIPLE TIMES UNTIL I AM ABLE TO REACH A "***" CSRWHEN I DO REACH THE "***" DEPT,I AM CONFRONTED WITH SOME CSR'S THAT ARE RUDE AND QUICK TO GET ME OFF THE PHONE AND NOT ALLOWING ME SUFFICIENT TIME TO EXPLAIN MY DILEMMA. I AM REQUESTING THAT EXPERIAN CREDIT BUREAU SEND ME A WRITTEN LEGAL RESPONSE AS TO WHY AND HOW MY CREDIT REPORT HAS BEEN TRANSFERRED TO THE "***" DEPARTMENT AND I AM REQUESTING THAT MY CREDIT REPORT BE REMOVED FROM THE *** DEPARTMENT , AND BE ABLE TO BE ACCESSED BY ANY EXPERIAN CSRALSO,I AM REQUESTING THAT EXPERIAN REINSTATE MY ABILITY TO RETRIEVE AND BE ABLE TO DISPUTE INFORMATION ON MY CREDIT REPORT ONLINE

Hello, Please see the attachment from me, *** ***, requesting that my 3rd party can speak on my behalfThank you!

October 5, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123*** *** *** *** ** * ***
*** *** ***Dear RevDex.com.Our office recently received your correspondence of September 27,
regarding the above mentioned Consumer's complaint.By federal law, your personal Credit report must list all organizations that have requested your credit historyIn accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit informationFor example, organizations that have granted you Credit or with whom you have applied for Credit, or entities Collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your Credit reportRequests for your Credit history remain on the personal Credit report for at least two years.Inquiries from credit grantors who request your credit information as part of your application for credit will display under the heading "Inquiries shared with others" on 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.Other inquiries for your credit information are considered "soft" inquiries and do not affect your credit scoreSome examples are: your current creditors to monitor your accounts, other creditors who want to offer you preapproved credit, an employer who wishes to extend an offer of employment, and a potential investor assessing the risk of a Current Credit obligationThese inquiries appear under the heading "Inquiries shared only with you" on your personal Credit report.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any duestions.Sincerely,*** *** *** *** *** *** *** *** *** *** ***
** *** ***

June 24, 2016Revdex.com 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 16, 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,*** *** *** *** *** *** *** *** *** *** *** *** ***

Dear Revdex.com:Our office recently received your correspondence of August 31, 2017, regarding the above-mentioned consumer's personal credit report.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute
Examples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item or aCCount name and number.Please provide the consumer's specific disputes along with their complete identification information (Social Security number, full name, current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, *** ***Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

::::: ExperianOctober 22, 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 October 12,
regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher of the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Page 2Experian 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 *** *** ***

August 18, 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 7, regarding the above
mentionedconsumer's personal credit report.We are in the process of providing the consumer with their current Experian personal credit report.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*** *** ***

August 20, 2015Revdex.comServing San Diego, Orange and Imperial Counties
Viewridge Ave., #200San Diego, CA 92123RE *** ***REF# *** ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of August 11, regarding the above mentionedconsumer's personal credit report.Our records indicate that we have previously contacted the data furnishers to verify the accuracy ofthe information with which the consumer disagreesThe disputed information was verified asaccurately 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, underthe FCRA, to add a 100-word statement specifying the nature of their disputeThe statement willappear with the item as long as the item remains on the credit reportAny further concerns regardingthe disputed information may need to be directed to the creditors reporting this informationPleaserefer to the original personal credit report for the furnisher or public records office name, address, andphone number (if available)If the consumer has any additional supporting documentation regardingthe 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 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*** *** ***

::::: 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*** *** ***

November 21, 2014Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ** ***REF# ***Complaint ID ***Dear Revdex.com:Our office recently received your correspondence of November 13, 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 submi11ed 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

RE: *** *** Complaint ID #***REF ***Dear Revdex.com.Our office recently received your correspondence of September 30, regarding the above mentioned Consumer's personal Credit report.We are currently investigating the information with which the consumer disagrees
Upon 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

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

December 19, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123*** *** ** *** *** ** ***
*** ***Dear Revdex.com.Our office recently received your correspondence of December 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 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 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,*** *** *** *** *** *** *** *** *** *** ***

March 16, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** *** ** * ***REF# 125712911Dear Revdex.com.Our office recently received your correspondence of March 8, 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.complaint ID # ***Our office recently received your correspondence of October I Oi 2017, regarding the above-mentioned consumer's rebuttal of our response to his complaint.In the complaint, the consumer states "attached is the same copies of my drivers license and voters registration that was sent to them"I was not able to locate this documentation.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent 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 should also indicate what the correct information should bePlease specify the item or account name andnumber.According to our records, we have not previously investigated the One Main Financial account appearing on the consumer's credit report, however, One Main Financial has reported a dispute statement on the account.In certain circumstances, data furnishers are obligated to add the dispute staternents by the FCRA (Fair Credit Reporting Act)If the consumer would like us to remQye this staternent, then they may contact usOtherwise, the comment will remain on the consumer's personal credit report as long as the item is reported.The risk score is a mathematical sumrnaty of the credit history using sophisticated statistics and matherrBticaI equations to calculate the summaryNumerical values are assigned to various piecesof information in a credit report, resulting in the risk scoreThe risk score changes over time as a consumer continues to develop their credit history, and may change from day to day as credit history is updated.Risk scores help consumers because they are objective and precise, allowing credit grantors to be consistent and fairThe risk score is computer generated, the only employee participation required is to request the scoreRisk scores eliminate individual biases and judgments from the credit-granting decisionResults are faster, more accurate and assist in the granting of "instant credit' by retailers and auto dealers, speed mortgage processes, and reduce your cost of credit by' empowering lenders to make informed decisionsPlease keep in mind that the scores are generated based solely upon the credit guidelines determined by a potential credit grantor.For these reasons, the score cannot be "disputed'However, if there is information appearing on a credit report that is believed to be inaccurate or incomplete, we are able to investigate that specific informationInaccurate inforrretion on the credit report could possibly be the cause of an inaccuratescore.Thank you for allowing to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateExperian Consumer Affairs*** *** ***

::::: ExperianNovember 11, 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 11-03-2015, regarding the above
mentioned consumerWe appreciate that your office took the time to let us know about their experience with our Company.*** *** mentions in his complaint that he had frozen his credit over a year ago in order to protect himself from Fraud*** *** further explains that he had tried permanently removing the freeze from his credit report; however, Experian was unable to honor his request*** *** has been trying for several months to unfreeze his credit and has been unable to speak to an individual personally.OUs records indicate that We forwarded *** *** With instructions on to how to lift his freeze on September 14, 2015, at that time there was a feeOn November 2, 2015, *** *** called into our National Consumer Assistance Center to request this freeze to be removedUnfortunately, he did not pass authentication, which is a series of questions for security seasons*** *** did mail in his identification information, however, the driver license was not legible and the utility bill *** *** provided had proof of his previous address and not of his current addressOn November 9, 2015, Experian sent *** *** a pin reminder regarding his freeze through *** ***, the tracking number was *** *** ***, which shows that the information was delivered on November 10, (Experian waived the *** *** Fee) | called *** *** directly on November 11, and left him a message with my contact number.To permanently remove a security freeze, *** *** may log on to www.experian.com/freeze or call EXPERIAN (3742)*** *** also may send his request to Experian Security Freeze, P.OBox 9554, Allen, TX 75013, along with his security freeze pin numberThank 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:Con-plaint ID # ***Our office recently received yur correspor&nce of October 16, 2017, tre above-n•mtioned consurner's complaint.We have mailed a current credit report directly to the corsumer for reviewIf there is informaüon appearing on a credit report that
is believed to be irzccurate or iroomplete, we have a specificdisputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent orincluded in bankru#y" or for public record disputes: "not mine, paid/satisfied, vacated or filed inerror"If the status dates, arnounts, balances or otter specific is incorrect, the consumer should also indicate what the correct inforrnation stuld bePlease specify the item or account name and number.Please provide the consurner's specific disputes along with their complete identification inforrnation (Social SecuriW number, full name, current address, previ01.s addresses in the last uo years and date of birth)Aso, please include one of a governrnent issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the infomEtion is iæccurate or incomplete, we process the dispute as required by lawWe contact the furnister of the inforrnation or the vendor that collected the information from a public record source such as a court or otter govemmentofficeWe ask thefumisher or the vendor to conduct a thorough and complete investigation to verify all of the informationregarding the disputed item and report back witlin the time frame required lawWe review andconsider the response to determine whether to accept it, reject it, or follow up for additionalinforrnationIf, after processing, we find that tte disputed information is inaccurate, incomplete orcannot be verified, we then delete trut inforrnation, or rnodify that information as appropriate, based upon the dispute and the results of our processingIf we do mt receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, In sorre 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 vendorAfter we comÄete our processing, we serd the consumer the resultsIf the results of the irwestigations are questioned, the consumer rnay want to contact thesource of the information directlyThe Consurrer can refer to the original personal credit report for the source business name, address, and 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 source of tre disputed inforrnation iMorming them of all relevant information regarding the corsurner's dispute.In order to help resolve the consurner's dispute, Experian will review all relevant docurnents subrnitted by' the consumer with the dispute and will forward such documents to tte fumisher if Experian is unable to resolve the issue based on those docurnentsConsurners may also contact creditorsdirectly to dispute items reported by' the creditorIf the issue is rot resolved, then the consumer credit reporting agency must offer to irclude a consumer staternent on the personal credit report.The Consumer Financial Protection aureau (the governrrent agency charged with enforcement of the FCRA) does not require that the corsumer credit reporting company obtain docurnentation such as the actual sigred sales sli*, sigruture cards, contacts, etc.; ror does it require that consumer credit reporting agencies act as rnediators or regotiators in account disputes.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 youPlease contact me directly if you have any questionsSincerely,*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs
*** *** ***

:::::: ExperianMarch 1, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: Timothy *** Complaint ID # ***REF# ***Dear Eetter Business Eureau.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 ***