Experian

Good morning,I am responding to your requestMy consumer complaint #***A third party, *** *** ***, has filed this complaint on my behalfI do authorize the complaint.Thank you for your time. *** ***

March 3, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Better Business Burea:Our office recently received your correspondence of February 19, regarding the abovementioned consumer's rebuttal of our response to his complaint.We are presently investigating the *** ** *** accounts based upon court documentationreceived from the consumer on 02/18/Upon completion of this process, we will provide theresults of our investigation directly to the consumer.Our records indicate that the additional disputed information does not appear on the consumer'scurrent Experian credit report.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

February 20, 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 personal credit report.We are currently investigating the *** ***, *** ***, *** *** ***and *** *** *** accounts with which the consumer disagreesUpon completion of this process,we will provide the results of our investigation directly to the consumer.We have mailed a current credit report directly to the consumer for reviewIf there is additionalinformation appearing on a credit report that is believed to be inaccurate or incomplete, we must havea specific disputeExamples of specific disputes are as follows: "not mine, paid in full, neverdelinquent or included in ***ruptcy" or for public record disputes: "not mine, paid/satisfied, vacatedor filed in error"If the status dates, amounts, balances or other specific data is incorrect, theconsumer should also indicate what the correct information should bePlease specify the item oraccount 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 dateof birth)Also, please include one copy of a government issued identification card, such as a driver'slicense, state ID card, military ID card, etc., and one copy of a utility bill, *** or insurance statement,etc.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:Our office recently received your correspondence of August 18, 2017, regarding the above mentioned consumer's personal Credit report.We are currently investigating the disputed bankruptcy information with which the consumer disagreesUpon completion of this process, we
will provide the results of our investigation directly to the Consumer.Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).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 I 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,*** ***S Senior Regulatory Affairs AssociateExperian Consumer Affairs ***

October 8,
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 1, regarding the above mentioned
consumer's personal credit report
We are in the process of providing the current personal credit report directly to the consumer for
review
Experian strives to achieve a high level of customer service for all the consumers they assistLet me
assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you
for allowing me to assist youPlease contact our office if you have any questions
Sincerely,
*** ***
Senior Regulatory Affairs Associate

Our office recently received your correspondence dated October 14, 2016, regarding the above mentioned consumer's personal credit report.In order to process an investigation, the consumer's Social Security number is required due to the type of dispute requested.Please write to us and provide the
consumer's full name, including middle initial (and generation such as JR, SR, Il, Ill), previous addresses for the past two years, Social Security number, date of birth, one copy of a government issued identification card, such as a driver's license, state or military ID card, and one copy of a utility bill, bank or insurance statement, etc.In addition, please resubmit the consumer's disputes and state the specific reason the consumer believes the information is inaccurateWe will process the request promptly once we receive this information.If you have any questions, please contact me directly at *** *** *** for assistance.Sincerely,*** *** *** *** ***
*** *** *** ***
*** *** ***
** *** ***

Dear Revdex.com:Our office recently received your correspondence of September 12, 2017, regarding the abovementioned consumer's rebuttal of our response to his complaint.Our records indicate that the disputed bankruptcy information does not appear on the consumer's current Experian Credit reportWe have mailed a current Experian credit report directly to the Consumer for review.Thank you for allowing me to assist youPlease contact me directly if you have any questions.*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

REF# ***Dear Revdex.com:Our office recently received your correspondence of June 6, regarding the above mentioned consumer's personal credit report.We are currently investigating the ** *** accounts with which the consumer disagreesUpon completion of this process, we
will provide the results of our investigation directly to the consumer.Our records indicate that the additional disputed information does not appear on the consumer's current Experian credit report.When a Consumer disputes the accuracy or Completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government officeWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of Our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in Some instances, upon reviewing the Credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorAfter we complete our processing, we send the consumer the results.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the Original personal Credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its Commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,Michael Lonergan Senior Regulatory Affairs Associate Experian Consumer Affairs 214726*** *** ** ***

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 not necessarily totally rejecting their offerPlease read the following :
11/09/
I opened and read the new message
from the Revdex.comI have twice called *** *** at the number listed in the
messageNo answer from her, so I have left messages with herPlease do not
close this case until I hear back from herAlso, at this point in time it is
my wish that I also be re-reimbursed for the $in postage that I have spent
trying to resolve this issue, plus the original dollarsToday (11/09/17) I
received another letter in the mail from POBox 9701, Allen Texas, dated
11/03/stating that my check was not cashedThis has a new case #
***These people seem not to be getting the messageI hope at some
point Miss *** calls me back so we can try to resolve this problem
11/13/
*** *** made
phone contact with me on Friday, 11/10/I explained my position to her
concerning the fact that I would also like to have at least $in postage
that I have spent trying to close this issue, in addition to the original
dollars for the check that supposedly was not cashedShe said that the person
that she needed to talk to was out of the office that day, and that she would
call me back on MondayI waited until approximately 2:pm Monday and still
had not heard from her, so I called her phone and got no answer, so left a
message to call me backAlso, today I received another letter in the mail from
Experian, NCAC, Box 9554, Allen TXdated 11/08/stating that my check had not been cashed
(file # 0988-9136-16) I now have in my possession separate letters stating
that Experian did not cash my check and numerous other letters saying if I send
money, they will freeze my accountIt is apparent to me that the individuals
that have opened the different letters that I have mailed out are not paying
attention to the documents that accompany the lettersIt seems that I will
wait more to hear from ***Since it is now after 5pm in Allen TXit would
seem that *** is not going to call today.Please do not close this claim yetThank you, *** ***Bottom of Formhh
Regards,
*** ***

Dear Revdex.com:Our office recently received your correspondence of July 19, 2017, regarding the above mentioned consumer's personal credit report.By federal law, your personal credit report must list all organizations that have requested your Credit historyIn accordance with the Fair
CreditReporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit informationFor example, organizations that have granted you creditor 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.Other inquiries for your credit information are considered "soft" inquiries and do not affect your credit scoreSome examples are: your Current creditors to monitor your accounts, other creditors who want to offer you preapproved Credit, an employer who wishes to extend an offer of employment, a potential investor assessing the risk of a current credit obligation; an end user to complete your mortgage loan application, and insurance underwriting (auto or home)These inquiries appear under the heading "Inquiries shared only with you" on your personal credit report and are not seen by anyone but you (except insurance Companies may be able to see other insurance Company inquiries)contact the furnisher or the vendorAfter we complete our processing, we send the consumer the results.Each time a consumer Credit reporting agency accesses the consumer's personal credit report to send them a copy or to process their disputes, the name of the consumer credit reporting agency will appear as an inquiry on the consumer's personal credit reportThese requests may remain on file for at least two yearsThey display only to you and not to Credit grantors, potential Credit grantors or employers who request your information 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.*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***

Our office recently received your correspondence of September 29, 2017, regarding the above-mentioned consumer's rebuttal of our response to their complaint.Our records indicate that we previously investigated the ** *** ** ** *** *** *** on 08/08/2017, 08131/17, and 09/28/In each instance our vendor confirrned accuracy of theinformation as reported.Judgments, Tax Liens and Bankruptcies are a rTEtter of public recordAlthough the court where the disputed public records are filed may not report this type of data, a vendor collect this data directly from the court's public records and supply that information to ExperianExperian's method ofverification for public records complies with the requirements of the Fair Credit Reporting Act (FCRA).Because the information was confirmed accurate, we must respectfully decline the consumer's request to rernove the disputed information from their Experian credit report.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,*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs2** *** ***

December 28, 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 16, regarding the
above mentioned consumer's personal credit report.Our records indicate that the disputed *** *** does not appear on the consumer's current Experian credit reportWe have mailed a current Experian credit report directly to the consumer for review.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** *** *** ***

Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***
*** *** *** ***
*** *** ***
*** *** ***

December 20, 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 14, regarding the above mentioned Consumer's personal Credit profile.Today I contacted the consumer directly by telephone and was able to address all of her concerns regarding her credit reportAdditionally, we are in the process of providing a current Experian credit report to her for review.If the Consumer has additional questions or Concerns regarding her Credit report, she may contact me directly at 214-726-and I will assist her in any way that I can.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,*** *** *** *** *** *** *** *** *** *** *** ***
** *** ** ***
*** *** *** *** *** ** ***

Yes, *** is the company assisting me
Thank you,
*** ***

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 16, 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. Yes, there is a 3rd party working on my credit
Regards,
*** ***

July 13, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID #: *** ***Dear Better Busness Bureau.Our office recently received your correspondence dated July 1, 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 inquiriesUpon 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 *** *** ***

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,
*** ***
please remove this bankruptcy from credit report or refund all of the money thats I would had made with out bankruptcy $and that amount is for years thank you the fee with credit tracker at $month thank you

:::::: ExperianJanuary 26, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # ***REF# ***Dear Eetter Business Eureau.Our office recently received your correspondence of January 21,
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,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***