Experian

June 10, 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 1, 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

November 3, 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 26, 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)

Our office recently received your Correspondence on September 16, regarding the abovementioned consumer's personal Credit report.We are currently investigating the disputed bankruptcies with which the consumer disagreesUpon completion of this process, we will provide the results to the
consumer.Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough the court where the disputed public records are filed may not report this type of debt, a vendor may collect this data directly from the court's public records and supply that information to ExperianExperian does not divulge the names of our vendors as this is proprietar, public record information and they are not the source of this public record informationExperian's method of verification of public records complies with the requirements of the Fair Credit Reporting Act (FCRA)When a consumer disputes the accuracy or completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that Collected the information from a public record source such as a court or other government office 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, reject it, or follow up with 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 processing.If we do not receive a response from the furnisher or the vendor within a 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 resultsIn 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 the information in the credit report directly with the furnisher of the informationIf 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 ***

*** *** *** files this complaint for meTheir contact information is *** *** *** *** * *** *** *** *** *** ** ***

REFi ***Dear Better BUSimeSS Bureau:Our office recently received your correspondence of February 16, 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.In order to remove a fraud alert from your Experian Credit report, we need the request in writing along with the information listed belowSend the requested information to Experian, P.OBox 9554, Allen, TX, One copy of a government issued identification Card, such as a driver's license, state ID Card, etcand one copy of a utility bill, bank or insurance statement, etcPlease also include the following identification information: Your full name including middle initial (and generation - JR, SR, II, III), social Security number, date of birth and Complete addresses for the past two yearsMake sure that each copy is legible and displays your name and current mailing address and the date of issueWe are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.Weapologize for the Consumer's difficulty in disputing information on-linePlease understand that not every consumer is guaranteed online access to their Credit report, that is why we also offer the option of writing in or calling inFor example, if a Consumer is unable to pass authentication online, we would require them to contact us either by telephone or by mail for security purposesYou would have to follow the directions provided, if you are denied online access while trying to dispute information or order your 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 at 214-726-if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Experian Consumer Affairs

November 7,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
RE *** ***
REF# ***
ID# ***
Dear Revdex.com:
Our office recently received your correspondence of October 30, 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 report We have mailed a current Experian credit report directly to the consumer for
review
Experian strives achieve a high level of customer service for all the consumers they assist Let me
assure you that Experian fakes its commitment to efficient, expeditious service seriouslyThank you
for allowing me 1o assist youPlease contact me directly if you have any questions
Sincerely,
*** ***
Senior Regulatory Affairs Associate

April 4, 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 March 28, regarding the above
mentioned consumer's complaint.The credit score is a mathematical summary of the credit history using sophisticated statistics and mathematical equations to calculate the summaryNumerical values are assigned to various pieces of information in a credit report, resulting in the risk scoreThe credit 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.The interpretations of risk scores differ according to the need and requirements set by the various credit grantors, and may indeed vary on a daily basisSimilarly, different credit grantors can view the same risk score differently, depending on their experiences with other consumers scoring in the same range, their marketing plans, their business niche and many other factorsExperian is not privy to the values assigned to the information appearing on a consumer's credit reportThat information would be considered proprietary to the credit grantorAdditionally, not all creditors report credit information to all three of the credit bureausFor this reason, each bureau's credit report can have different information causing credit scores from bureau to bureau to vary, at times by a substantial amount.Credit scores are generated based solely upon the credit guidelines determined by a potential credit grantorA credit score may be different from lender to lender depending on the type of credit scoring model usedThe interpretations of credit scores differ according to the need and requirements set by the various credit grantors, and may also vary on a daily basis.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 information on the credit report could possibly be the cause of an inaccurate scoreWe have mailed a current credit report directly to the consumer for reviewIf the consumer believes there are inaccuracies on their credit report, we must have a specific disputePlease 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 me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***CC*** ***

July 15, 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 6, 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.Research indicates that on June 4, we received a complaint from the consumer that may nothave been sent by himWe responded to him on June 9, by mail requesting that he contact usby telephone so that we could assist himWe have no record of the consumer contacting us bytelephone as we requested in that letter.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.If the consumer has additional information regarding the disputed information, please forward itdirectly to me.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 additionalquestions or concerns questions.Sincerely,*** ***Senior Regulatory Affairs Associate

Yes there is a third party working on my credit. They are *** *** *** *** ** *** *** *** *** *** ** ***

Dear Revdex.com:Our office recently received your correspondence of July 31, 2017, regarding the above mentioned consumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be
inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, 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.According to the Fair CreditReporting 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.The Consumer Financial Protection Bureau (the government agency charged with enforcement of the FCRA) does not require that the consumer Credit reporting company obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer Credit reporting agencies act as mediators or negotiators 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 questions.Sincerely, KLM*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***

May 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 April 23, 2015, regarding the above mentionedconsumer's personal credtreportWe 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 whet the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I want the credit alert removed in addition the files I asked to be removed thank you
Regards,
*** ***

Yes I authorize this third party to file on my behalf... Please see below
This is the 3rd pary who has permission to file on my behalf:
*** *** ***
*** * *** *** *** ***
*** ** ***

March 30, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: Leila Reis Complaint ID # *** REF#: ***Dear Revdex.com:Our office recently received your correspondence of March 22, regarding the above mentioned consumer's rebuttal of our response to their complaint.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 officeWe 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 vendorAfter we complete our processing, we send the consumer the reSults.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a Court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the CreditorIf the issue is not resolved, then the consumer Credit reporting agency must offer to include a consumer statement on the personal Credit report.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,*** *** on behalf of *** *** Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC *** ***

Good afternoon, I am responding to your request for confirmation of my complaint by a third partyThe complaint was authorized by me and is being carried out by a third party. Please let me know if you need any further information. Thank you, *** ***

December 2, 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 November 23,
regarding the above mentioned Consumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, 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 andUmber.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 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,*** *** *** *** *** ***
*** *** *** *** ***
** *** ** ***

Yes, I have autherized this third party *** *** *** to act in my behalf, *** ***

April 26, 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 19, regarding the above
mentioned consumer's personal credit report.Our records indicate that we have not previously received this complaint from the Revdex.com.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 *** *** ***

Yes there is a third party working on my credit

November 13,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
RE: *** ***
REF #: ***
Complaint ID # ***
Dear Revdex.com:
Our office recently received your correspondence of November 10, regarding the above
mentioned consumer's rebuttal of our response to her complaint
In the rebuttal, the consumer did not provide details of their dissatisfaction or additional information
regarding the disputed information
We have mailed a current credit report directly to the consumer for reviewIf the consumer has
additional information regarding disputed information, please provide itPlease specify the item or
account name and number along with the consumer's specific disputes and the additional information
Please provide their complete identification information (Social Security number, full name, current
address, previous addresses in the last two years and date of birth)Also, please include one copy of
a government issued identification card, such as a driver's license, state ID card, etc., and one copy of
a utility bill, bank or insurance statement, etc
Thank you for allowing me to assist youPlease contact me directly if you have any questions
Sincerely,
*** ***
Senior Regulatory Affairs Associate