Experian

I authorize [redacted] to submit a complaint on my behalf.Thank you[redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have years of experience testing/supporting software and web applications in both startup companies and established businesses, of which, my main job duty for the past years has been writing database query language ( [redacted] both MS & [redacted] ) through system migrations requiring data modeling, and troubleshooting data-integration and data-quality issues My findings at Experian:I) Representatives updating incorrect information does have a negative impact to credit reports/scores:a Programming logic for credit score calculation might be based on things like account type (e.grevolving debt, installment debt), amount of debt this month compared to last month, amount of debt yesterday compared to today, etc., was a payment made (account in good standing?).b Programming logic might look something like a "case-when" statement or an "if-then" statement that might look like: If "X" and "Y" then "Z"These statements can be paragraphs to pages longI once received and troubleshot a query that was pages long when pasted into a word doc.c Programming logic using if-then statement example as it impacted my credit score: IF my balance yesterday on three installment accounts was $AND today the balance of the three installment accounts total $15,(I just increased my installment debt by $15,overnight which is not supposed to happen with installment debt unless I defaulted and/or have penalties), THEN my credit score decreased by points.d YES, EXPERIAN ADDED BACK MY SEPTEMBER BALANCES TO MY OCTOBER CREDIT REPORT THAT WERE PREVIOUSLY $BALANCE - HAVING A DIRECT AND NEGATIVE IMPACT TO MY CREDIT SCOREWhy didn’t the Experian representative not see that my accounts had been updated by my debtor to $balance, problem solved?!! (FYI – this could be impacted by Experian account IDs don’t match debtor account IDs on statements– see below.)e The negative impact to my credit score is not rectified when the balances are corrected back to $because the bad data still exists in the database and is used as part of the calculation of my credit scoreI received an additional loss of points when the balance was returned to $In a matter of weeks I lost points of my credit score for paying off $15,in student loansMy score is still bouncing aroundII) Account numbers at Experian do not match account numbers at debtors:a If I am disputing information on Experian, and I have student loans, in the dispute the account number lists the beginning "X" amount of numbers and not the endingThe beginning "X" amount of numbers are the exact same for all loansIt’s a crap shoot.b Even if I could see the ending numbers instead of the beginning, the accounts on my statements from my lender do not match the account numbers for the same loans at ExperianSo any document I submitted in support of my dispute are null/voidI know because I had a call with an Experian rep and a Navient rep, and they could not communicate with each other about the account numbers they had to go by year/mo of loan and original loan balanceA real hoot!III) Uploading documents is broken, ineffective and creates duplication of effort:a Greater than six times on three separate occasions I tried to upload documents each 523KB to support my disputes, and I received errors that my documents were to large, that they must be under 15MBI think I successfully loaded times on separate occasions.b Experian rep could not locate the documents I loaded stating there was one from Once he found the document (single) he said there were just blank pages and no informationHe could not help me.c Dispute cases were created for the document uploads instead of being associated to the existing disputesPlease note that when filing a dispute, one does not receive an email with the report number, and cannot view the dispute until resolvedso someone like me does not have access to the report number to reference when uploading documentsPlease email confirmation of the dispute at the time filed with the report ID!IV) Credit Score Simulator is incredibly accurate until it’s not:a If I consistently get the predicted increases to my credit score due to Experian’s Credit Score Simulator calculation, then it creates precedence.b The Credit Score Simulator calculated an increase of points for paying off $15,in student loansIt would put me over my goal of a greater than 800-credit scorec I earned a point decrease, (15+23) points lower than expectedSomeone needs to fix something hereWording maybe? Like if you pay down (not pay off) student loans, you’ll get an increase, and do not file a dispute, it will negatively impact your credit score.d I’ve actually paid off $12,in credit card debt and $15,in student loans and my credit score is lower today than it was before I paid off $27,in debt on October 17, I was at and now I'm currently at I have to say it, all my accounts are in good standing, and my one ding is from years agoIf Experian puts bad data in the database from which the credit scores are calculated then, they are actually responsible for the credit score they provide/present Who is your data architect and application architect, and who is responsible for writing the code that calculates credit scores? Who is your test engineer? In other words, who's responsible for this stuff?! How do you get feedback? How do you utilize the feedback? What is your quality metrics? KPIs? Who are you accountable to if not the consumer?I've had a rof crappy experiences with Experian, and rather than address the issues, Experian provides canned responses and are lacking in accountability for their tracking of consumer credit Regards, [redacted]

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA *2123RE [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com:Our office recently received your correspondence of June 21, regarding the above mentioned consumer's personal Credit report.According to our records, the GATEWAY ONE LENDING account # [redacted] xxx appears as stated on the consumer's current Experian credit report, as an account in good standing with no late payments reportedA copy of the current Experian credit report is being mailed directly to the Consumer for review.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted] CC [redacted] Ogans

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com:Our office recently received your rebuttal of March 30, 2017, regarding the above mentioned consumer's complaint.If there is information appearing on a Credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item or aCCOUnt name and number.Please provide the Consumer's specific disputes along with their complete identification information (Social Security number, full name, Current address, previous addresses in the last two years and date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, 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

My Name is [redacted] and I authorized CRE Credit Services located at Central Parkway STE Plano, TX to file a complaint on my behalf Thank you, R [redacted] ***

ExperianJune 15, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] Dear Revdex.com.Our office recently received your correspondence of June 7, 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, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

ExperianApril 20, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of April 12, regarding the above mentioned consumer's personal credit report.Our records indicate that we have previously contacted the data furnishers to verify the accuracy of the information with which the consumer disagreesThe disputed information was verified as accurately reported and confirmation was mailed to the consumer for review.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 of 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.If the consumer disagrees with the results of the re investigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit report.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 me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***

June 20, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: [redacted] Complaint ID # [redacted] REF: [redacted] Dear Revdex.com:Our office recently received your correspondence of June 9, regarding the above mentioned Consumer's personal credit report.An Extended Security Alert has been added to the consumer's credit report on June 19, This message, which will expire after years, alerts credit grantors to verify the consumer's identification in case someone is using their information without their consent.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.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).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 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 dispute.In 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.Sincerely, [redacted] ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I've been dealing With credit theft fraud for over a year now and trying to recover from it but theirs some things still on my credit report that hasn't been removed and after many attempts to contact credit bureaus and sending in many documents these things are still on my credit reports and its affecting me from buying house these accounts and inquires are reflecting negatively on my credit report they include: [redacted] Regards, [redacted]

June 29, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Better Business Bureau:Our office recently received your correspondence of June 19, 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, [redacted] Senior Regulatory Affairs Associate

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] & [redacted] Complaint ID # [redacted] REF# [redacted] Dear Revdex.com:Our office recently received your correspondence of April 26, regarding the above mentioned consumers' personal credit reports.We are currently investigating the information with which the consumers disagreeUpon completion of this process, we will provide the results of our investigation directly to the consumers.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 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.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, [redacted] CC [redacted] & [redacted] ***

November 15, 2016Revdex.com Serving San Diego, Orange & Imperial Counties Viewridge Ave#San Diego, CA 92123–[redacted] Dear Revdex.com.Thank you for submitting your complaint dated November 4, 2016, regarding [redacted] We appreciate that your office took the time to let us know about his experience with our company.In the complaint [redacted] states that Experian has failed to provide him with an updated copy of "verifiable proof" regarding several accounts and one public record item [redacted] has requested to have the information removed from his credit reportOur research indicates that [redacted] previously contacted Experian to request an investigation regarding several disputed itemsWe have reinvestigated this information with each data furnisherRegarding the disputed public record we Contacted the vendor that Collected the information from the public record source, such as a Court or other government officeThey responded and we either updated certain data elements, deleted accounts, or the accounts or public record remained as accurate as reportedOn May 14, 2008, July O2, 2008, April 21, 2009, April 23, 2009, April 12, 2010, January 22, 2011, April 11, 2011, April 16, April 27, 2011, January 15, and October 12, 2016, we sent the result summaries to [redacted] 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 data furnisher of the disputed information and informing them of all relevant information regarding the consumer's disputeIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.When a consumer disputes the accuracy or completeness of information on a 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 item they disputed, and report back within days of the date that we received their request (days for Maine residents)We review and consider the response to determine whether to accept it, reject it, or follow up for additional information.lf, 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 their 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 the consumer has requested or delete the information, and send the consumer the resultsIn some instances, upon reviewing the consumer's credit file and any relevant information the consumer has 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 resultsIn addition to the consumer's right to dispute information in their credit file with the credit reporting agencies, the consumer also has the right to dispute information in their credit report directly with the furnisher of the information.If [redacted] disagrees with the results of the reinvestigation, it is his legal right, under the FCRA, to add a statement specifying the nature of his disputeThe Consumer statement will appear on his Credit report and be viewable upon inquiryIf he would like our assistance in providing a Concise statement, please have his contact us directly at the telephone number or address provided on his personal credit report and we would be happy to assist hisIn addition, for more information regarding Credit and frequently asked questions, he may visithttp://www.experian.com/blogStaskeXperianThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted]

ExperianAugust 1, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID 11574404REF# [redacted] Dear Revdex.com.Our office recently received your correspondence of July 21, regarding the above 6mentioned consumer's personal credit report.We are currently investigating the disputed 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.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).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.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 [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services 4159Sincerely,C? [redacted] ***

June 22, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com.Our office recently received your correspondence of June 14, regarding the above mentioned consumer's personal credit report.We are in the process of providing the current personal credit report directly to the consumer for review.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely, [redacted] ***

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA [redacted] Dear Revdex.com:Our office recently received your correspondence of December 9, regarding the above mentioned consumer's rebuttal of our response to his complaint.According to the Fair Credit Reporting 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 Withdra WW”.For information regarding our Registered Agent in the state of California, you may contact the California Secretary of State's office.Thank you for allowing me to assist youPlease Contact our office if you have any questions.Sincerely, [redacted]

Hello my name is [redacted] And in response to your request yes [redacted] has my consent to dispute this claim [redacted] is working on my credit.Their address is [redacted]

June 18, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of June 10, 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, [redacted] Senior Regulatory Affairs Associate

October 8, Revdex.com Serving San Diego and Imperial Counties Viewridge Ave., # San Diego, CA RE [redacted] REF# *** [redacted] Complaint ID # [redacted] Dear Revdex.com: Our office recently received your correspondence of October 2, regarding the above mentioned consumer's personal credit report We are in the process of providing the current personal credit report directly to the consumer for review Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions Sincerely, [redacted] Senior Regulatory Affairs Associate

July 8, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE [redacted] ***REF# [redacted] Complaint ID # [redacted] Dear Revdex.com:Our office recently received your correspondence of June 29, regarding the above mentionedconsumer's rebuttal of our response to his complaint.An Initial Security Alert was added to the consumer's credit reportThis message, which will expireafter days, alerts credit grantors to verify the consumer's identification in case someone is usingtheir information without their consent.We are currently investigating the [redacted] account with which theconsumer disagreesUpon completion of this process, we will provide the results of our investigationdirectly to the consumer.Our records indicate that the disputed [redacted] account and a [redacted] inquiry do not appear on theconsumer's current Experian credit report.Regarding [redacted] # [redacted] , today I contact the court at ###-###-#### and was able toconfirm with [redacted] that the public record is accurate as it appears on the Experian credit report: as ajudgment found for the plaintiff, that has not been satisfied, filed on May 8, (the date indicated forcontinuation in the consumer's previously provided court documentation).Regarding inquiries that were made without the consumer's authorization, please provide the nameand date of the specific inquiry(s) that the consumer believes are a result of identity theftOnce wereceive this information, we will process your dispute.If the consumer has additional information regarding any of the disputed information, for example, arecent valid identity theft report (an official report filed with an appropriate federal, state, or local lawenforcement agency), please forward if directly to me for review.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs Associate

May 3, 2016Revdex.com Serving San Diego and Imperial Counties Viewridge Ave #San Diego, CA 92123RE: [redacted] Complaint ID: [redacted] REF# [redacted] Dear Revdex.com.Thank you for submitting your complaint dated 04-25-2016, 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 [redacted] , 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, [redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted] ***