Experian

ExperianMay 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 dated May 18, 2016, regarding the above
mentioned consumer's personal credit report.Please accept this letter as confirmation that we are in the process of updating the disputed *** *** Servicing accounts as current/defermentUpon completion, an updated copy of the personal credit report will be provided 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,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

Yes there is a 3rd party working on my credit.The company is *** *** ***
*** ** *** *** *** *** *** ** *** *** *** *** *** ***

December 28, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123*** *** ** *** *** * ***
*** ***Dear RevDex.com:Our office recently received your correspondence of December 16, 2016,
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 have the Consumer provide their 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 at *** if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***

August 6, 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 24, 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 AssociateConsumer Affairs Special Services*** *** ***

have requested for months for Experian to provide me the "ORIGINAL" documents for the only negative account on my credit report to verify the identity of this account, after months I have yet to receive any of the requested documents yet the negative account still remainsThe account is: Central Financial Control Douglass Rd Anaheim, CA 1-800-345-ACC# *** $I am simply asking asking for documents that the Federal Credit Reporting Act (FCRA) requires the credit reporting agencies and the original creditors to keep have on file to be able to report negative accounts on a credit reportIf the credit company cannot provide me with the requested documents within days I want this removed from my credit report once and for allIt has been months and either they have the documents or they don't and if they do why haven't they already sent them to me? If they don't, which is obvious, then they need to stop reporting it on my credit report.I am simply asking asking for documents that the Federal Credit Reporting Act (FCRA) requires the credit reporting agencies and the original creditors to keep have on file to be able to report negative accounts on a credit reportIf the credit company cannot provide me with the requested documents within days I want this removed from my credit report once and for allIt has been months and either they have the documents or they don't and if they do why haven't they already sent them to me? If they don't, which is obvious, then they need to stop reporting it on my credit report

*** * ***Dear Revdex.com.Thank you for your recent correspondence dated August 29, 2016, regarding the above mentioned consumerOur records indicate that we previously conducted an investigation regarding the disputed information and have provided the results of our investigation
directly to the Consumer on July 6, 2015.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 reportAccurate information cannot be deletedPotentially negative information, such as late payments and most public record items, which are obtained from Courts and other government offices, remain on the personal Credit report for up to seven years from the date of the original missed payment, with the exception of Chapters 7, and bankruptcies, which remain for up to years.Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each Company has their own policies and guidelines for disputing informationTherefore, we cannot update or delete information in our database based on the results of a dispute with another Consumer Credit reporting agency nor Can we dispute information for a consumer with another consumer Credit reporting agency.If your client disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the Credit reportAny further Concerns regarding the disputed information may need to be directed to the data furnisher reporting this informationIf you have any additional supporting documentation regarding the disputed information, please forward that to my attention 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 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 data furnisherIf the issue is not resolved, then the Consumer Credit reporting agency must offer to include a consumer statement on the personal credit report.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** ***

May 4, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE*** *** Complaint # ***Ref # ***Dear Revdex.com.Our office recently received your correspondence dated April 26, 2016, regarding the above
mentioned consumer's Experian credit report.We are currently investigating the disputed informationUpon completion of this process, we will provide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification systemWe ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within days of the date that we received the consumer's requestOnce we receive their response, we send the consumer the results of the investigationIf we do not receive a response within days we update 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 dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer's disputeIf the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit reportThe FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputesPlease forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directly.*** *** Senior Regulatory Affairs AssociateConsumer Affairs Special Services *** *** ***Sincerely,

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 da1ed July 9, 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

Dear Revdex.com:Thank you for your recent correspondence dated August 14, 2017, regarding the above mentioned consumerOur records indicate that we previously conducted an investigation regarding the disputed information and have provided the results of our investigation directly to the
Consumer on May 22, 2017.Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing informationTherefore, we cannot update or delete information in our database based on the results of a dispute with another consumer Credit reporting agency nor can we dispute information for a consumer with another consumer Credit reporting agency.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information may need to be directed to the data furnisher reporting this informationIf you have any additional supporting documentation regarding the disputed information, please forward that to my attention for review.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 data furnisherIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal Credit report.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** *** AND I SENT MORE DOCUMENTS TO ***

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 do not accept the response and demand that Experian not be allowed to mock the Revdex.com's authority and victimize me by ignoring my rightsExperian, has sent me a letter stating that they will not do an investigationThese bankruptcies add a hardship and my rights were violated by ExperianI ask for the Revdex.com to help make Experian, stop victimizing meI ask as a resolution that all bankruptcies be deleted permanently from my credit report as a violation took place when they were illegally added.
Regards,
*** ***

August 17, 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 August 9, regarding the above mentioned consumer's rebuttal of our response to his complaint.Our records indicate that we previously initiated investigations of *** account *** on 5/12/2015, 12/21/2015, 7/14/and again on 8/5/2015.In each instance, the creditor verified the accuracy of the informationResults of each investigation were provided directly to the consumer for reviewBecause the creditors confirmed the accuracy of the disputed information, we must respectfully decline the consumer's request to remove the account from the Experian credit report.If the consumer disagrees with the results of the reinvestigations, it is their legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information will need to be directed to the sources of the informationThe consumer may refer to their original personal credit report for the furnisher's address and phone number (if available).If the consumer has any additional supporting documentation regarding the disputed information, they 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,*** *** *** *** *** *** *** *** *** *** *** *** ***
*** *** ***

To whom it may concern:*** is the third party that is handling this for me. Thank you, *** ***

October 30,
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 October 27, regarding the above mentioned
consumer's personal credit report
We are in the process of providing the consumer with their current Experian personal credit report
Experian strives to achieve a high level of customer service for all the consumers they assistLet 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

::::: ExperianDecember 15, 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 December 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 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).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 *** *** ***

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 9, 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

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 am extremely upset with the response from *** *** Senior Regulatory Affairs Associate Experian Consumer Affairs As I mentioned in my complaint that I had sent them evidence showing Letters from Superior Court and bankruptcy court clearly stating by the county Clerk ** *** *** Chief Deputy that the have NO Records with the name *** * *** with search of Index as well as the Bankruptcy Court ** *** *** Deputy In-chargeWhich I have attached as evidence and my dispute letter clearly asking for the details of the Bankruptcy as to what was the Claim? who were the parties for which was listed in the bankruptcy?Mostly what was the amount?? what were the asserts? The Court the Clerk? The people and the companies that were in the claims?? You "Can Not" Have Bankruptcy without Claims and Assets and Details!!! If Experian claims that I have a Bankruptcy then they have to provide the details because the burden of proof is on them!! I have attached most of my Evidence due to the fact that I am limited to Uploads and I would like Revdex.com of *** *** to review the letters from The courts as well as my request from Experian to Provide details which they are not willing to because it does not exist !!! As I stated that I am eagerly trying to find decent employment and Not mention I just buried my Mother few weeks ago and trying to hold on to a tough personal life almost in the verge of getting a divorce because of financial reasons as well.I am hoping and asking Revdex.com of *** *** to help me with resolving this issue which has been a detrimental to my career and life.I have attached proofs.
Regards,
*** ***

April 30, 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 30, regarding the above mentionedconsumer's personal credit reportOur records indicate that we have previously contacted the data furnishers to verify the accuracy ofthe information with which the consumer disagreesThe disputed information was verified asaccurately reported and confirmation was mailed to the consumer for review.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, underthe FCRA, to add a 100-word statement specifying the nature of their disputeThe statement willappear with the item as long as the item remains on the credit reportAny further concerns regardingthe disputed information may need to be directed to the creditors reporting this informationPleaserefer to the original personal credit report for the furnisher or public records office name, address, andphone number (if available)If the consumer has any additional supporting documentation regardingthe disputed information, they may forward that to us for review.Experian strives to achieve a high level of customer service for all the consumers they assist Let meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateConsumer Affairs Special Services

*** ***Thank you for allowing me to assist youPlease our office if you have any questions.Sincerely,*** ***
Senior Regulatory Affairs AssociateExperian Consumer Affairs*** *** ***

June 14, 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 rebuttal of June 6, 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.Sincerely, Katie ROSSSenior Regulatory Affairs Associate Experian Consumer Affairs ***CC*** ** ***