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.I requested a method of verification from the credit reporting company, which they providedI contacted the court the claimed to have verified the public record with and was informed they do not furnish records and information to the credit reporting agenciesCredit reporting agencies are required to conduct investigations of disputed items with the “furnisher” of informationThe Bankruptcy Court should be the furnisher of information, not a third party source such as *** or *** ***This leaves me to believe that they did not actually verify the reporting of this public record and according to the FCRA, it must be deleted from my credit report.I am requesting a full removal of this public record. Regards,
*** ***

ExperianApril 20, 2016Bettes Business Bureau 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 April 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 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 # ***Thank you for your recent correspondence of September 22, 2017, regarding the above-mentioned consumer.We are currently investigating the United Adjustrnent and MSW Federal Credit Union accounts 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 contacted ***, *** *** *** *** *** *** *** *** 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 above-mentioned consumer for review.When a constimer disputes the accuracy or completeness of Information on their personal credit report and tell us specifically why they the information IS inaccurate or incomplete, we processtheir dispute as required by lawWe contact the furnisher of the data to verify the accuracy of the disputed information.If the consumer disagrees with the results of the re-investigation, its 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 regardingthe disputed information may need to be directed to the reporting this informationPlease refer to the original personal credit report for the furnisher or 'public records office narne, 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 the consumers they assist Let 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 Experian Consumer Affairs*** *** ***

April 10, 2017Revdex.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 March 31, 2017, regarding the
above mentioned consumer's personal credit report.We apologize for any inconvenience Ms*** experienced in her previous telephone contact with ExperianAppropriate actions are being taken to ensure that any customer service issues are addressedIn the future, the consumer may contact me directly at the number listed below and I will assist her in any way that I can.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 Experian Consumer Affairs ***CC: *** ***

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12025749, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The last experian report number I had was 1225606097 My social security number is *** and my DOB is 9/19/1978. I attached a copy of my DL and SS Card.
Regards,
Luis Rodriguez

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
To Whom It May Concern: I am writing this letter in an effort to remove inaccurate information from my credit reportThe following information you have placed on my file has seriously affected my credit profilePlease be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting ActI am a victim of identity theftThe information listed below appears on my credit report but I did not make or approve of these transactionsThis happened because of identity theft.DesiredSettlementID: Other (requires explanation) The following account does not belong to me and should be removed from my credit report immediately: The following accounts are not mind accountNo knowledge account
Regards,
*** ***

January 12, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID #***REF ii1304O7646Dear Revdex.com:Our office recently received your correspondence of January 3, regarding the above
mentioned consumer's complaint.Today attempted telephone contact with the consumer and left a detailed message with my contact informationIf the consumer continues to have questions or concerns regarding his Experian credit report he may call me directly at 214-726-or toll free at and I will assist him in any way that I can.To assist you, we must verify the Consumer's Current delivery addressPlease send us one Copy of a government issued identification card, such as a driver's license, state ID card, military ID Card, etcand one copy of a utility bill, bank or insurance statement, etcMake sure that each copy is legible (enlarge if necessary), displays the Consumer's name and Current mailing address, and the date of issue (statement dates must be recent)We are unable to accept Credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.MCE Experian Consumer Affairs Senior Regulatory Affairs Associate 41.59CC *** ***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,*** ***

July 22, 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 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 Associate

June 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 June 16, regarding the above
mentionedconsumer's complaint.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 at ###-###-#### if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

Revdex.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 6, regarding the above
mentionedconsumer's personal credit profile.On 03/17/ I contacted the consumer by telephone and was able to assist him with his Experiancredit report Today we completed our investigation and are mailing a copy of his current Experiancredit report for reviewIf the consumer has additional questions or concerns regarding his creditreport, he may contact me directly at ###-###-#### and I will assist him in any way that I can.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

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 disagreesUpon
completion of this process, we will provide the results of our investigation directly to the Consumer.If your bankruptcy was dismissed or withdrawn, it appears on your personal Credit report because every action that relates to credit may become part of your credit historySo even though the court did not allow the completion of your bankruptcy, the fact that the case was documented allows it to appear on your personal credit reportThe bankruptcy dismissed withdrawn status will remain on your report for seven years from the filing date.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,*** *** Senior Regulatory Affairs Associate

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 1, 2017, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the Consumer disagreesUpon completion of this process, we will provide the
results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and Consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in Some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the resultS.In addition to the consumer's right to dispute information in the credit file with the Credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.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 Experian Consumer Affairs *** ***

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

April 25, 2017Revdex.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 April 17, 2017, regarding the
above mentioned consumer's Experian credit report.Our records indicate that we have not previously received this complaint from the Revdex.com.If a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal Credit report because every action that relates to credit may become part of the credit historySo even though the court did not allow the filing of the bankruptcy or the bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal Credit report.According to the Fair CreditReporting Act (FCRA), Section (d) (1), if a bankruptcy is withdrawn before a final judgment "the consumer reporting agency shall include in the report that such case was Withdrawn".The bankruptcy dismissed withdrawn status will remain on the consumer's Experian Credit report for seven years from the filing date.Experian strives to achieve a high level of customer service for all the Consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** on behalf of *** *** Senior Regulatory Affairs Associate Experian Consumer Affairs21472***CC *** R***

May 20, 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 12, regarding the above mentionedconsumer's rebuttal of our response to his complaint.Research indicates that on 2/3/we received documentation from the consumer that indicatedthat his spouse had filed for Chapter bankruptcy that was discharged on 6/22/Because theconsumer did not file for bankruptcy, he is still responsible for joint debts that were discharged throughhis spouse's bankruptcy.Additionally, we have no record of having received copies of *** ** *** correspondence fromthe consumer.Our records indicate that the disputed account, *** ** *** #*** was previouslyinvestigated on 12/4/2014, 2/0/and 4/24/In each instance, the creditor verified theaccuracy of the informationResults of each investigation were provided directly to the consumer forreviewBecause the creditor confirmed the accuracy of the disputed information, we mustrespectfully decline the consumer's request to update the account to show that it was included inbankruptcy.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 his disputeThe statement will appear with theitem as long as the item remains on the credit reportAny further concerns regarding the disputedinformation will need to be directed to the source of the information, *** ** ***The consumermay refer to his original personal credit report for the creditor address, and phone number (ifavailable).If the consumer has any additional information or supporting documentation regarding the disputedinformation, he 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

July 21, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** ***Ref #: ***Complaint # ***Dear Revdex.com:Our office recently received your correspondence dated July 8, 2015, regarding the above
mentionedconsumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we willprovide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directlyby letter, telephone, or through an automated verification systemWe ask the source to check theirrecords to verify all of the information regarding the item questioned, and report back to us within 30days of the date that we received the consumer's requestOnce we receive their response, we sendthe consumer the results of the investigationIf we do not receive a response within days weupdate the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency's role in the disputeprocess is to investigate the information to determine the accuracy and completeness of any disputeditem by contacting the source of the disputed information and informing them of all relevantinformation regarding the consumer's disputeIf the issue is not resolved, then the consumerreporting agency must offer to include a consumer statement on the personal credit reportThe FCRAdoes not require that the consumer reporting agency obtain documentation such as the actual signedsales slips, signature cards, contracts, etc.; nor does it require that consumer reporting agencies actas mediators or negotiators in account disputesPlease forward any documentation directly to thecreditor for review.Please refer to the original Experian personal credit report for the business name, address, and phonenumber (if available) of the source that verified the information.If I may be of further assistance, please contact me directly.Sincerely, *** ***Senior Regulatory Affairs Associate

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

Dear Revdex.com:Our office recently received your correspondence regarding the above-mentioned consumer's complaint.Our records indicate that the disputed inquiries do not appear on the consumer's current Experian credit reportWe have mailed a current Experian credit report directly to
the consumer for review.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 the disputed information and informing them of all relevant information regarding the consumer's disputeIn order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the creditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions