Experian

April 8, 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 31, regarding the above
mentionedconsumer's personal credit report.An 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 consent.Our records indicate that we previously conducted investigations regarding the disputed information,providing the creditors with copies of the ID Theft Affidavit reports that we had received from theconsumerThe creditor verified the accuracy of the accountsResults of the investigation wereprovided directly to the consumerIf the results of the investigation are questioned, the consumer maywant to contact the source of the information directlyThe Consumer can refer to the original personalcredit report for the source business name, address, and phone number (if available).If the consumer still wishes to have this information blocked, please submit a complete, valid, legibleidentity theft police report (an official report filed with an appropriate federal, state, or local lawenforcement agency, including the U.SPostal Inspection service or others, the filing of whichsubjects the person who filed the report to criminal penalties if the information filed is false), Theidentity theft report should include as many of the following elements as possible: Specific dates suchas when the loss or theft of personal information occurred or when the fraud(s) occurred, how youdiscovered or learned of the theft, any known information about the perpetrator, name or badgenumber, and signature of the law enforcement personnel who processed the report, and the filing dateand case numberAlso, please list each account and account number and any other information thatyou believe appears on your credit report due to identity theft.If the consumer does not provide Experian with the required information specified above, they will nothave submitted a valid request to block information in their personal credit report due to an identitytheft and no information will be blocked.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

February 26, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***
***REF# ***Dear Revdex.com:Our office recently received your correspondence of February 17, regarding the abovementioned consumer's personal credit report.We are currently investigating the *** account with which the consumer disagreesUponcompletion 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'scurrent Experian credit report.Unfortunately, Experian is unable to assist with questions or concerns regarding *** asthey are a separate company with no relationship to ExperianIt is suggested the consumer contact*** directly for assistance.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

August 4, 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 July 27, 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,*** *** *** *** *** *** *** *** *** *** *** *** ***

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

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

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.***

Yes,I have hired a 3rd party to work on my creditThe third party is;*** *** ***
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*** ** ***Regards,*** ***###-###-####***

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*** *** ***

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

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

Dear Revdex.com:Our office recently received your correspondence of September 5, 2017, regarding the abovementioned 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.Judgments, Tax Liens and Bankruptcies are a matter of public recordAlthough the Court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court's public records and supply that information to ExperianExperian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record informationExperian's method of verification for public records complies with the requirements of the Fair CreditReporting Act (FCRA).When a consumer disputes the accuracy or completeness of information on the personal Credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, in some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the Consumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and 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 *** ***

April 20, 2016Bettes Business Bureau 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 April 11, 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 me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly at 214-726-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 25, 2017, 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.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. 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.*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***

::::: Experian?November 6, 2015Revdex.com Serving San Diego and Imperial Counties Viewridge Ave #San Diego, CA 92123RE: *** *** Complaint ID: *** REF# ***Dear Revdex.com.Thank you for submitting your complaint dated 10-29-2015, regarding the above
mentioned consumerWe appreciate that your office took the time to let us know about their experience with our company.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.For additional assistance, the consumer may call me directly at 214-726-4081, or write to Experian at P.O Box 1240, Allen, TX 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*** *** ***

November 17,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
RE: *** ***
REF# ***
Complaint ID # ***
Dear Sir/Madam:
Our office recently received your correspondence of November 10, regarding the
above
mentioned consumer's personal credit profile
Today I contacted the consumer directly by telephone and was able to assist her with her Experian
credit report I was able to answer all her questions and address her concerns regarding the Security
Freeze on her credit report
If the consumer has additional questions or concerns regarding her Experian credit report in the
future, she may contact me directly 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,
*** ***
Senior Regulatory Affairs Associate

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Hi Revdex.com of San Diego, CA:
Last month I retained *** *** *** to assist in repairing/correcting any errors currently associated w/ my credit report
Please accept this email as 3rd party authorization for *** *** *** to act on my behalf around any issues they
encounter, or follow-through regarding problems/ obstacles they might encounter while doing soThis would include filing complaints against any un-cooperative credit-reporting agencies they encounter
Feel free to contact me if you have any additional questions/ concerns
Thanks you for following up with this complaint
Very Truly Yours,
*** ** *** *** ***
*** *** *** ***
*** ** ***
*** ***

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.Details: I am trying to get a bankruptcy removed off my credit report from all bureaus they telling me that I need a letter from the courthouse saying that I can remove this off my credit report09/29/09:AM Shenitha Burton - Hello *** * *** - The bankruptcy court does NOT perform any activities with the credit bureausYou must contact the individual credit bureau’s for their procedure for removing your bankruptcy filing from their credit report. If you would like to receive what I just stated above in writing from the Court, please send your request via letter to the United States Bankruptcy Court, ** *** *** *** *** *** ** ***Please make sure your letter request includes your name, case number, and the reason for the letter Provide a self-addressed and postage paid envelope. If you have any further questions/concerns, feel free to contact me at 312.554.8053.Click here if you need to add more information http://tdi.ilnb.uscourts.gov/wwwroot/contact/contactresponse.cfm?***
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** in which the business states it will review and investigate the accuracy of information on my personal credit report and provide the results to me in days or less Until this action is complete, this complaint is not resolved
Regards,
*** ***

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