Experian

May 1, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** *** ***REF#: ***Complaint ID: ***Dear Revdex.com:Our office recently received your correspondence dated April 23, 2015, regarding your clientspersonal Experian credit reportOur records indicate that the disputed *** *** Mortgage is appearing as the consumer stated onhis personal credit report (Paid 9/28/2014)We are in the process of forwarding the consumer acurrent credit report for review.Thank you for allowing us to assist you in this matter.Sincerely, *** ***Senior Regulatory Affairs Associate

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

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regarding the above-mentioned consumer's rebuttal of our response to their complaint.If a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal credit report because every action that relates to credit may become part of credit historySo even though the court did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 *** *** ***

January 16, 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 January 8, 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

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,
*** ***

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. I seems like the investigation to my complaint has not been completed, so I will wait a little longer to allow for a thorough investigationI also reject the notion that how they verify information on my consumer credit report is proprietaryThe FCRA specifically states this as a right of the customer because if there is an inaccuracy the consumer is given an opportunity to correct itI cannot do this if I do not know where it is coming fromFor all I know Experian could be making up records and adding information which I cannot investigation which is in violation of the FCRALastly, the new Julylaw states that in order for public records to be reported it must contain certain informationExperian has not yet confirmed that it is reporting data in alignment with this lawThe information must be name, DOB , address or SSNAs a consumer I need know who finished Experian with this information, because all of the other reporting agencies state that they did not along with the court in my stateThis tells me Experian is either knowing reporting information or is not completing a fair and valid investigationThe FCRA also states that information that cannot be validated be deleted after daysCredit Reporting agencies are not allotted more timeI would like Experian to comply with the FCRA and delete this un-validation public record as they admitted in their response that they have not yet validated itIf they are able to after this time period then it can be re-added by the creditor as long as the consumer received days noticeAll this in spelled out in the FCRA and I demand Experian comply with it

I reached out to Experian a month ago regarding a block being put on a credit report so my credit can not be pulled and they advised me that they will see to it that it gets doneI am a victim of identity theft and someone got ahold of my personal information so now im trying to clean things upExperian once again allowed fraud attempts for credit within this pass weekOne from *** *** that was pulled on 7-19-and One from *** ***These attempts were done in ** and I live in **This fraud caused my score to drop and I need for Experian to fix thisI wrote them before regarding my credit being pulled and I was suppose to get a phone call before anyone took a look at my credit to a number on my fraud alertI never was called I only received alerts my credit was pulled, so yes I am angry and want these inquiries deleted.Desired Outcome: I want the inquiries removed that was done fraudulently in ** *** *** ** *** *** ** *** *** *** *** *** *** *** *** ** *** *** *** *** *** ***

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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*** *** *** *** ** ***

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,
*** ***

August 28, 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 August 20, 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 me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateConsumer Affairs Special Services*** *** ***

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

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

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 *** *** *** *** *** ***

May 12, 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 3, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the Consumes the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available)Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

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

January 18, 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 January 9, 2017, regarding
the above mentioned consumer's complaint.Our records indicate that we have previously investigated ** *** ** *** * *** ** *** * *** *** *** ** ** *** * *** ** *** *** * ***The information was verified as accurately reported at the bankruptcy court by our public record vender.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 Withdrawn".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 US Bankruptcy Court located at *** ** *** *** *** *** *** ** ***.If the Consumer has any additional supporting documentation regarding the disputed information, they may forward that directly to me for review.Thank you for allowing me to assist youPlease Contact me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** ***

May 20, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE*** *** Complaint # ***Ref # ***Dear Better BusinessBureau.Our office recently received your correspondence dated May 12, 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,

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,
***
***