Experian

Dear Revdex.com.Thank you for your recent correspondence dated August 22, regarding the above mentioned consumerOur records indicate that we previously cordicted an investigation regarding the disputed information and have provided the results of our investicitcdirectly to the
consumer.Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own piiries and guidelines for disputing informationTherefore, we cannot update or delete info: Ta'irl in our database based on the results of a dispute with another consumer credit reporting agency no can we dispute information for a consumer with another consumer Credit reporting agencyIf the consumer disagrees with the results of the reinvestigation it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit report Any further concerns regarding the disputed information may need to be directed to the data furnisher reporting this informationIf you have any additional supporting documentation regarding the disputed information, please forward that to my attention for review.According to the Fair CreditReporting 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 data furnisherIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Experian 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
Regards,
*** ***

Our office recently received your correspondence of May 10, 2017, regarding the above mentioned consumer's rebuttal of our response to their complaint.To assist the consumer, we must verify their current delivery addressPlease send us 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, etcMake sure that each copy is legible (enlarge if necessary), displays the consumer's name and current mailing address, and the date of issue (statement dates must be recent)We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.Thank you for allowing me to assist youPlease contact me directly at if you have any questions.Sincerely, *** ***Senior Regulatory Affairs Associate Experian Consumer Affairs 214726***CC*** ***

*** *** Thank you for allowing me to assist youPlease contact our office if you have any questionsSincerely,*** *** ***Senior Regulatory Affairs AssociateExperian Consurner Affairs*** *** ***

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,
*** ***

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,
*** ***

April 16, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Dear Revdex.com:Our office recently received your correspondence of April 8, regarding the above mentionedconsumer's personal credit
report.To assist you, we must verify the consumer's current delivery addressPlease send us one copy of agovernment 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, etcMake sure that each copy is legible(enlarge if necessary), displays the consumer's name and current mailing address, and the date ofissue (statement dates must be recent)We are unable to accept credit card statements, voidedchecks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.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

::::: ExperianDecember 11, 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 3,
regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher of the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

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

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action does not immediately resolve our complaint. For your reference, details of the offer I reviewed appear below.Once this inaccurate reporting is removed from our credit, we will find it to be satisfactory We want to reiterate, "NULL AND VOID" means NON-EXISTENT, therefore it shall be removed immediately!!!
Regards,
*** ** * *** ** ***

ExperianJanuary 6, 2016Revdex.com Serving San Diego and Imperial Counties Viewridge Ave #San Diego, CA 92123RE: *** *** Your Complaint ID: *** Ref #: ***Dear Better EUsiness Eureau.Thank you for your recent correspondence regarding *** ***Our records
indicate that we have contacted the public record vendor to verify the accuracy of the information with which *** *** disagreesThe disputed information was verified as accurately reported on and confirmation was mailed to *** *** for review on September 17, 2015.A consumer-reporting agency shall follow reasonable procedures to ensure the maximum possible accuracy of the information whenever it prepares a consumer reportExperian, as a credit-reporting agency, assembles, stores, and reports credit information as reported to us from credit grantors who subscribe to our service and from selected public records.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.When a consumer disputes the accuracy or completeness of information on their personal credit report and tell us specifically why they believe the information is inaccurate or incomplete, we process their dispute as required by lawWe contact the vendor that collected the information from a public record source such as a court or other government office to verify the accuracy of the disputed information.Because Experian has verified that the disputed three disputed judgments are accurate as reported we must respectfully decline his request to remove the disputed information from his personal credit report.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services*** *** *** *** *** *** *** *** ** ***

Dear Revdex.com:Thank you for your recent correspondence regarding the above-mentioned consumerOur records indicate that we have contacted the data furnisher to verify the accuracy of the information with which the consumer disagreesThe disputed information was verified as
accurately reported and confirmation was mailed to the above-mentioned consumer for review.When a consumer disputes the accuracy or completeness of information on their personal credit report and tell us specifically why they believe the information is inaccurate or incomplete, we process their dispute as required by lawWe contact the furnisher of the data to verify the accuracy of thedisputed information.If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the credit reportAny further concerns regarding the disputed information may need to be directed to the creditors reporting this informationPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available)If the consumer has any additional supporting documentation regarding the disputed information, they may forward that to us 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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs AssociateExperian Consumer Affairs*** *** ***

November 15, 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 November 7, 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,*** *** *** *** *** *** *** *** *** *** ***

July 21, 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 July 14, 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 resul1s 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 5, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 9223RE *** ***REF# ***Complaint ID ***Dear Revdex.com:Thank you for your recent correspondence of January 29, regarding the above mentionedconsumer's
Experian credit reportOur records indicate that we have previously investigated *** *** *** ***Investigations were initiated on January 28, at the request ofthe consumerThe information was verified as accurately reported as a civil claim judgment filed bythe State of New York on February 26, and satisfied by the consumer on May 4, 2011.Confirmation was mailed to the consumer for review.A judgment cannot be removed from the personal credit report simply because it is paidAs aresident of the State of New York, information about a satisfied judgment remains on the credit reportfor five years from the date it was filed in ***.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 *** or other government officeWe ask thefurnisher or the vendor to conduct a thorough and complete investigation to verify all of the informationregarding the disputed item, and report back within the time frame required by lawWe review andconsider the response to determine whether to accept it, reject it, or follow up for additionalinformationIf, after processing, we find that the disputed information is inaccurate, incomplete orcannot be verified, we then delete that information, or modify that information, as appropriate, basedupon the dispute and the results of our processingIf we do not receive a response from the furnisheror the vendor within the required period, we update the item as requested or delete the information, Insome instances, upon reviewing the credit file and any relevant information submitted to us, we areable to determine whether the disputed information should be changed or deleted without having tocontact the furnisher or the vendorAfter we complete our processing, we send the consumer theresults.If the consumer questions the results of the dispute process, then they rnay want to contact thefurnisher of the information directly or review the original information in the public record***
*** *** ** *** ** *** *** *** ** *** *** ** *** *** ***Ifthe consumer has any additional supporting documentation regarding the disputed information, forexample a document from *** *** *** indicating that the judgment had been withdrawn,vacated or filed in error, they may forward that to us for review.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 at ###-###-#### if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

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 15, 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 Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: Nicole Bell Complaint ID #: *** REF: ***Dear Revdex.com:Our office recently received your correspondence of March 27, 2017, regarding the above mentioned
consumer's personal Credit report.We are currently investigating the bankruptcy 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 214726.***

:::::: ExperianJanuary 26, 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 January
20, 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.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's method of verification for public records complies with the requirements of the Fair Credit Reporting Act (FCRA).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 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 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
Regards,
*** ***