Experian

To whom it may concern,Attached is the 3rd party consent requested

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

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. Still pending the results from the investigationI do not want to accept this offer to give the impression that the dispute has been resolved
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. 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

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
We've been playing phone tag, I'll try again
Regards,
*** ***

February 9, 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 2, 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.Research indicates that we have never received "copies of the discharge" or "divorce papers" fromthis consumerIf she has additional information regarding the disputed information, please forward ifdirectly to my attention 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 efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

ExperianJune 10, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID #*** ***Dear RevDex.com.Our office recently received your correspondence of August 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 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,*** *** *** *** *** *** *** *** *** *** *** *** ***

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

::::: ExperianNovember 10, 2015Revdex.com Serving San Diego and Imperial Counties Viewridge Ave., #San Diego, CA 92123RE *** ** *** Complaint ID # ***REF# ***Dear Revdex.com.Our office recently received your correspondence of November 2, regarding the above mentioned consumer's rebuttal of our response to his complaint.We are currently investigating the address information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.By federal law, your personal credit report must list all organizations that have requested your credit historyIn accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit informationFor example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit reportRequests for your credit history remain on the personal credit report for at least two years.Inquiries from credit grantors who request your credit information as part of your application for credit will display under the heading “Inquiries shared with others" on your personal credit reportThese inquiries display on your credit report when it is accessed by others with a permissible purposeThese inquiries may affect your credit score.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** *** *** ** *** **

November 15, 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 October 29,
regarding the above mentioned Consumer's rebuttal of our response to his complaint.Our records indicate that we have not previously received this rebuttal from the Revdex.com.Additionally, our records indicate that the disputed *** *** Service account does not appear on the Consumer's Current Experian Credit reportWe have mailed a copy of the Credit report to the Consumer for review.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** ***
** *** ** ***

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 *** *** ***

September 14, 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 September 2, regarding the abovementioned consumer's personal credit reportOur records indicate that we have not previously received this complaint from the Better BusinessBureau.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 MaiL We 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 AssociateConsumer Affairs Special Services*** *** ***

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,*** *** *** *** *** *** *** *** *** *** *** ***

*** ***
Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any
questions.Sincerely,*** ***Senior Regulatory Affairs AssociateExperian Consumer Affairs*** *** ***

August 20, 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 11, 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 AssociateConsumer Affairs Special Services*** *** ***

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID *** ***Dear Revdex.com:Our office recently received your correspondence of January 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 information, in some instances, upon reviewing the Credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to Contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the Consumer the 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).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,*** ***
*** *** *** *** *** *** *** *** *** *** ***

May 24, 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 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 deleting the disputed student loansUpon completion, an updated copy of the personal credit report will be provided to the Consumes 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 *** *** ***

RE: *** *** Complaint ID # ***REF# ***Dear Revdex.com.Our office recently received your correspondence of November 17, 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 *** *** ***

March 22, 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 March 14, regarding the above
mentioned consumer's personal credit report.An Initial Security Alert has been added to the consumer's credit reportThis message, which will expire after days, 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.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** On behalf of *** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** *** *** *** *** *** ** *** *** ** ***

Our office recently received your correspondence of October 6, 2017, regarding the above-mentioned consumer's personal credit report.After careful research, our record indicate that the *** *** *** was disputed on April 10, The account was removed from the consumers credit report
on May 9, 2017.Additionally, we received the required information to place the *** *** *** account back on the consurner's credit reportThe account was placed back on record on October 5, 2017.The consumer was notified US mail on October 5, 2017, that the account was being added back to the credit report.Because the consumer was notified appropriately that the *** *** *** account information was being placed back on their report, we must respecffully decline the consumer's request to remove the disputed information from their Experian credit reportExperian strives to achieve a high level of custorner service for all the consumers they assistLet me assure you that Experian takes its commitrnent to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questionsSincerely,*** ***Senior Regulatory Affairs AssociateExperian Consumer Affairs*** *** ***