Experian

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

*** ***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 directly if you have any
questions.Sincerely,*** ***Senior Regulatory Affairs Associate Experian Consurner Affairs*** *** ***

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
Regards, I feel they have enough information need to delete for the reasons I have statedThe information I am disputing has been discharged, therefore should not be visual on my credit reportThe Credit Bureau is reporting the bankruptcy and the discharge cases separate which makes it illegal
*** ***

May 16, 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 May 5, regarding the above
mentioned consumer's personal credit report.Our records indicate that we mailed an Experian credit report to the consumer on April 30, and again on May 5, To ensure receipt, we are mailing the consumer a complimentary 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 Consumer Affairs Special Services *** *** *** *** *** ***

I *** *** have read and agreed to the terms and conditions and authorize *** to receive any information necessary.Thank you,*** *** information:*** ***Senior Credit Analyst *** *** ** *** *** *** *** *** ** ***Direct:
***Fax: ***

June 24, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San
Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of June 15, regarding the above mentionedconsumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the item asrequested or delete the information, In some instances, upon reviewing the credit file and any relevantinformation submitted to us, we are able to determine whether the disputed information should bechanged or deleted without having to contact the furnisher or the vendorInvestigations can take aslong as days to reach a conclusionAfter we complete our processing, we send the consumer theresults.In addition to the consumer's right to dispute information in the credit file with the credit reportingagencies, the consumer also has the right to dispute information in the credit report directly with thefurnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact thefurnisher of the information directly or review the original information in the public recordPlease referto the original personal credit report for the furnisher or public records office name, address, andphone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

April 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 23, regarding the above
mentionedconsumer's personal credit reportWe 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 me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

Yes there is a third party named *** *** working on my creditThis is in regards to Experian

June 21, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123** *** *** *** ** * *** ***Dear Revdex.com.Our office recently received your correspondence of June 13, 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.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 contact me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***
** * *** ***

November 15, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123*** *** *** *** ** ***
*** *** ***Dear Revdex.com.Today our office received your correspondence of October 20, regarding the above mentioned Consumer's rebuttal of our response to their Complaint.Our records indicate that we have not previously received this rebuttal.Additionally, our records indicate that a full Experian credit report was mailed to the consumer at *** *** *** *** ** *** ** ***To insure receipt, today we have mailed an additional Credit report to the Consumer for review.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** ***
** *** ***

Dear Revdex.com:complaint ID # ***Our office recently received your correspondence of September 2017, regarding the above-mentioned consumer's rebuttal of our response to their complaint.If a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal credit report because every action that relates to credit may become part of credit historySo even though the court did not allow the filing of the bankruptcy or bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal credit report.According to the Fair 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 waswithdrawn.The bankruptcy dismissed/withdrawn status will remain on the consumers Experian credit report for seven years from the filing date.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,
*** ***Senior Regulatory Affairs AssociateExperian Consumer Affairs *** *** ***

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
[The response from the business is because during the tenure of this complaint of of the dismissed public record items has been removed and to resolve my complaint I expect the final and only dismissed public record item be removed from my file.]
Regards,
*** ***

March 3, 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 February 20, regarding the
abovementioned consumer's complaint.Our records indicate that we mailed the description of the investigation process and creditor contactinformation to the consumer on 02/05/and again on 02/06/based upon his requests received on01/30/and on 02/02/The method of verification provided complies with the requirementsset forth in the Fair Credit Reporting Act (FCRA)Additionally, per FCRA requirements, Experiankeeps records for months, allowing us to review and determine the nature of previous disputes.If the consumer would like to send legal service to Experian, he should do so through our RegisteredAgentExperian's Registered Agent's name and address is on file with the Secretary of State in eachstate.Because Experian has met its obligations under the FCRA, at this time we must respectfully declinethe consumer's request for compensation.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

April 20, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID ***REF # ***
Dear Revdex.com.Our office recently received your correspondence of April 12, regarding
the above mentioned consumer's personal credit report.To assist you, we must verify the consumer's current delivery addressPlease send us one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etcMake sure that each copy is legible (enlarge if necessary), displays the consumer's name and current mailing address, and the date of issue (statement dates must be recent)We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.Please forward the consumer's specific disputes along with the consumer's complete identification information including Social Security number previous addresses in the last two years and date of birth).Upon receipt of this information, we will process the consumer's request.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 *** *** ***

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
Regards,
***
***

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
Regards,
*** ***

July 26, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123** *** *** *** ** *** ***Dear:Our office recently received your correspondence of July 15, regarding the above mentioned consumer's
personal credit report.We have mailed a current credit report directly to the consumer for review.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 consumes.The risk 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 risk score changes over time as a consumer continues to develop their credit history, and may change from day to day as credit history is updated.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 grantor.Common questions that many consumers have regarding their credit scores are "why didn't my score go up?" or "what can I do to make my score go up?" For example, you might ask if closing two installment accounts would improve your credit scoreWhile this question may appear to be easy to answer, there are many factors to considerSimply closing two accounts not only lowers the number of open installment accounts (which generally will improve your score) but it also lowers the total number of all open accounts (which generally lowers your score).Furthermore, such an action will affect the average age of all accounts that could either raise or lower your scoreAs you can see, one seemingly simple change actually affects a large number of items on your credit reportTherefore, it is impossible to provide an accurate assessment of how one specific action will affect your credit scoreA credit score is based entirely on the information found on your personal credit reportAny change to your credit report could affect your score.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 SCOTE.If there is additional information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeWe are unable to investigate inaccurate information on the credit report without knowing which item or account is inaccurate along with the specific nature of the inaccuracyPlease specify the item(s) or account name(s) and number(s) along with the specific dispute(s).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.*** *** *** *** *** *** *** *** *** *** *** *** *** ***
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June 24, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear RevDex.com:Our office recently received your correspondence of June 15, 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

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,
*** ***

This email is to clarify that I, *** *** has hired *** *** *** to act on my behalf to clear up disputed accounts on my credit reportPlease accept this email as validationPlease let me know if you need any additional information Thank you,
*** ***