Experian

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 *** ***

December 20, 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 December 12, 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 *** *** ***

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

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*** *** ** ***

:::::: 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 *** *** ***

September 15, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID #***REFi ***Dear Revdex.com.Our office recently received your Correspondence of September 8, 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 Experian Consumer Affairs ***

Dear Revdex.com:Our office recently received your correspondence of September 29, 2017, regarding the above-mentioned consumer's personal credit reportWe are presently investigating the name information with which the consumer disagreesUpon completion of tiis process, we will provide
the results of our investigation directly to the consumer.We store information based on identification and address inforrnation provided to us by credit grantors and providers of public recordsOne or more sources of information reported the identification and/or address information you questioned and it is a part of your credit historyIf you believe this information is inaccurate, you may want to contact the source of the information directlyPlease contact us by phone if you need additional assistance to determine the specific sources of particular identification and address information on your credit report.Experian strives to achieve a high level of customer service for al! 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,*** *** on behalf of *** ***Senior Regulatory Affairs AssociateExperian 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** *** ***

March 11, 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
March 3, 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

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

June 24, 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 16, 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,*** *** *** *** *** *** *** *** *** *** *** *** ***

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

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 have written several letters to Experian before the negative impact on my credit report in an attempt to inform Experian that I was in dispute with *** ***This effort on my part to let Experian know what was going on with *** *** and myself along with *** *** was not acknowledged (ignored) by Experian since the company chose to report an account that was in dispute on *** ***'s and my credit reports anywayI am now asking Experian to show me, the consumer, how they conducted their investigation to come to this conclusion along with *** *** to reportI am requesting that Experian show the detailed findings of who, what, when, where, and how they conducted their investigation
Regards,
*** ***

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

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

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

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

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. *** ***

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