Experian

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 *** *** ***

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*** *** ***

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,
*** ***

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

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

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

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:
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,
*** ***

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

::::: ExperianDecember 9, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE*** *** Complaint # ***Ref*Dear Revdex.com.Our office recently received your correspondence of November 30, regarding the above mentioned consumer's rebuttal of our response to his complaint.If there is 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).Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely, Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

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 ***

March 22, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123Re: *** *** Complaint # ***Ref*Dear COUnselor.Our office recently received your correspondence dated March 14, 2016, regarding your client's
personal credit report.Please accept this letter as confirmation that we are in the process of deleting the disputed judgmentUpon completion, an updated copy of the personal credit report will be provided to your client 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 *** *** ***

May 19,2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received
your correspondence of May 7, 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 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

November 17, 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 November 9, regarding the above
mentioned consumer's personal credit report.We are Currently investigating the information with which the Consumer disagreesUpon Completion of the investigation process, we will provide the results directly to the Consumer.If the consumer has additional information regarding the disputed information, please forward it directly to my attention 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,*** *** *** *** *** *** *** *** *** *** ***
** *** ***

April 27, 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 17, 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

Yes, *** *** *** is the third party

*** ***
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 AssociateExperian Consumer Affairs*** *** ***

::::: ExperianDecember 3, 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 November 23,
regarding the above mentioned consumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific disputeExamples of specific disputes are as follows: “not mine, paid in full, never delinquent or included in bankruptcy" or for public record disputes: “not mine, paid/satisfied, vacated or filed in error"If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should bePlease specify the item or account 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 date of birth)Also, please include one copy of a government issued identification card, such as a driver's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, 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 you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services ***C?*** ***

July 11, 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 June 29, 2016, regarding the above mentioned consumer's rebuttal of our response to his complaint.We are presently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.If the consumer has additional information regarding the disputed accounts that were included in Bankruptcy, for example Bankruptcy Schedule A, D and/or F please forward it directly to my attention for review.If there is additional information regarding the accounts that were in deferment, for example correspondence from the Department of Education confirming the dates of deferment, please forward that also.Thank you for allowing me to assist youPlease contact me directly at *** if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***
*** *** ***

October 16,
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 13, 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