Experian

:::::: ExperianJanuary 20, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID # ***REF# ***Dear Better Business Eurea.Our office recently received your correspondence of January 14, regarding the above mentioned consumer's rebuttal of our response to her 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.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.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting 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, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the creditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.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).Thank you for allowing me to assist youPlease contact me directly at *** if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** *** * *** *** *** *** *** ** ***

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

June 12, 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 June 4, 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

*** ***
Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** *** Senior Regulatory Affairs Associate Experian Consumer Affairs*** *** ***

January 4, 2017Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** ** *** Complaint ID # ***REF ii***Dear Revdex.com:Our office recently received your correspondence of December 21, 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, military 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,*** *** MCE Experian Consumer Affairs Senior Regulatory Affairs Associate

Please be advised that I have authorized *** to file a complaint with the Revdex.com on my behalf.
Thank you,
*** ***

RE *** *** Complaint ID #***REF ***Dear Revdex.com.Our office recently received your correspondence of October 11, regarding the above mentioned consumer's personal credit report.We are currently investigating the disputed 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 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.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).According to the Fair Credit Reporting Act (FCRA), a national Consumer credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting 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, notifying them of the disputed information and disclosing all relevant information regarding the consumer's disputeIn order to help resolve the consumer's dispute, Experian will review all relevant documents submitted by the Consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact Creditors directly to dispute items reported by the CreditorIf the issue is not resolved, then the Consumer Credit reporting agency must offer to include a consumer statement on the personal credit report.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate

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

Thank you for writing and expressing your concern regarding your membership with Experian CreditWorksSM Our records indicate that you ordered a one dollar credit report along with a trial membership on October 1, 2016. The membership was not cancelled; consequently, in accordance with
the published terms of our offer, the credit card provided was charged our monthly membership fee on October 10, A welcome email notification was sent to the email address you provided at the time of enrollmentPer your request, your paid benefits ceased, effective November 16, Refunds have been processed on October 10, in the amount of $and on November 10, in the amount of Additionally, our records indicate there was a one dollar credit report along with a trial membership ordered on October 1, for ***. The membership was not cancelled; consequently, in accordance with the published terms of our offer, the credit card provided was charged our monthly membership fee on October 10, A welcome email notification was sent to the email address you provided at the time of enrollmentPer your request, your paid benefits ceased, effective November 17, 2016. At the time of cancellation a refund was processed in the amount of $We comply with our privacy policy posted on online on our website. At the time of your and your wife’s order you opted in to receive emailsWe have opted you and your wife out so that you will no longer receive emails from our companyOur website describes the offer and the order form details the terms and conditions of the offer, including billing at the end of the trial and monthly thereafter unless and until the customer notifies us of their wish to discontinueThe consumer agrees to these terms when submitting their orderWe apologize for any inconvenience or misunderstanding; however, we are not a part of Credit Carmer. At this time we would like to express our regret that your experience with Experian CreditWorksSM may not have met your expectation or our standard of excellence. We feel it is important to keep the consumer informed regarding the ordering processOur website displays the following disclosure on our product landing page: IMPORTANT INFORMATION When you order your $Credit report and FICO(R) Score 8, you will begin your 7-day trial membership in Experian CreditWorksSMIf you don’t cancel your membership within the 7-day trial period*, you will be billed $for each month that you continue your membershipYou may easily cancel your trial membership online anytime within the trial period without chargeWe strive for exceptional customer satisfaction and hope we have addressed your area of concern to your expectation

I have authorized the third party to work on my credit

::::: 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?*** ***

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 resolvedI have furnished experian with all of the necessary proof that it needed to prove it did not excite I will provide the documents again with other documents so that it can be removed
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in
reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I am going to call this lady and ask why others can put things on my credit with out this correct information and the items they put on there are erroneousI think I just need to go to the Consumer Financial agency and file my complaint with them.
Regards,
*** ***

March 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 26, regarding the abovementioned
consumer's personal credit report.We have removed the consumer's name from future prescreened offer mailing lists as requested andwe will notify ***, *** *** and *** of the consumer's requestIf the consumer would liketo remove his name from direct marketing lists and individual reference services lists, then contact:*** *** *** * *** *** ***, ** *** *** *** ** *** andExperian, *** ** *** *** ** *** Attn: Consumer Services DepartmentExperian 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

I'm authorizing the 3rd party to file this complaint against Experian

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,
*** ***
Letters has been sent to delete the accounts and late charges off they will not copy of letters AS can see in the letters you may call me *** out date student loans ,

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. Please call me
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** *nd have determined that the following inquires are unauthorized and I would like them removed from my credit report:ACCESS/MID AMERICA BANDec 6, 2016BK OF AMERFeb 25, 2017CAP ONE NAJul 24, 2015CAP ONE NANov 29, 2016CBNADec 12, 2016CHASE CARDDec 10, 2016CREDIT ONE BANK NAMay 31, 2017CREDIT TECHNOLOGY INCJun 7, 2017KOHLS/CAPONEMay 20, 2017MBIRA/ZZOUNDS MUSIC LLDec 21, 2015TOTAL/MID AMERICA BANKDec 2, 2016TOTAL/MID AMERICA BANKJun 17,
Regards,
*** ***

December 5, 2014Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Case # ***Dear Revdex.com:Our office recently received your correspondence of November 26, regarding the abovementioned
consumer's personal credit reportAn Extended Security Alert has been added to the consumer's credit reportThis message, which willexpire after years, alerts credit grantors to verify the consumer's identification in case someone isusing their information without their consentBased upon the documentation provided, we have blocked the fraudulent items from the consumer'sExperian credit report and notifying the respective creditors of our actionsWe are forwarding anupdated Experian credit to the consumer 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 to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

yes I am *** *** I authorized *** company to do so