Experian

September 8, 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 August 30, 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)

Dear Revdex.com:Our office recently received your correspondence of August 16, 2017, regarding the above mentioned Consumer's Experian 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 for review.If a bankruptcy was dismissed or withdrawn, it appears on the consumer's personal Credit report because every action that relates to credit may become part of the credit historySo even though the court did not allow the filing of the bankruptcy or the bankruptcy did not go through, the fact that the case was documented allows it to appear on the personal Credit report.According to the Fair CreditReporting Act (FCRA), Section (d) (1), if a bankruptcy is withdrawn before a final judgment "the consumer reporting agency shall include in the report that such case was Withdrawn".The bankruptcy dismissed withdrawn status will remain on the consumer's Experian credit report for seven years from the filing date.Thank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***

Our office recently received your correspondence of July 26, Uregarding the above mentioned consumer's rebuttal of our response to her complaint.If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute 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 of 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 our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate

•?::: ExperianPú Hux Allen,TX 75013www.axperian.comDecember 28, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # ***REF# ***Dear Revdex.com:Our office recently received
your correspondence of December 16, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the information, In some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results,In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnisher of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available).Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***

Dear Revdex.com:Our office recently received your correspondence of July 26, regarding the above mentioned consumer's rebuttal of our response to her complaint.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 CreditReporting Act (FCRA).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 our office if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Experian Consumer Affairs *** ***CC

February 19, 2015Revdex.comServing San Diego and Imperial Counties*** *** *** ***
*** *** ** ***RE *** ***REF#
***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of February 10, regarding the abovementioned consumer'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:
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
As the response states I received a call from Michael Lonergan on January 12thI attempted a call back and received a voicemail indicating that MrLonergan would be out of the office for the following week. Given the additional requirement of sending in documentation to prove my address I cannot state that my original complaint has been resolved by this response.
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
Regards,
*** ***
Experian response was delayed and still delayedThere is no verification of such bankruptcy that is showing up on my credit reportThis bankruptcy is caused hectic in my my life and creditThey are stating a 3rd party but is not giving a name of 3rd partyUnder the new law credit bureaus must included the following information for accuracy and verification name, address and ss#/or DOBThey have not provide no such verificationIf they can't prove verification this bankruptcy should be removed permanentlyCDIA also just sent out a letter stating the CRA should be reporting accurate information to improve the quality and currency between them and the consumerIf they can't verify with the time frame the FCRS states it should be deletedI have rights*** Bankruptcy court sent me a letter stating they don't verify nor validate bankruptcy to credit bureaus

June 29, 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 19, regarding the above
mentionedconsumer's complaint.We are currently investigating the ** *** *** ***account with which the consumer disagreesUpon completion of this process, we will provide theresults of our investigation directly to the consumerOur records indicate that we previously conducted investigations regarding the *** *** ** *** with which the consumer disagreesInvestigations were initiatedon 11/06/and again on 02/05/2015.In each instance, the creditor verified the accuracy of the accountsResults of the investigations wereprovided directly to the consumerIf the results of the investigations are questioned, the consumermay want to contact the source of the information directlyThe Consumer can refer to the originalpersonal credit report for the source business name, address, and phone number (if available).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 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.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 has any additional supporting documentation regarding the disputed information, theymay forward that to us for review.By federal law, your personal credit report must list all organizations that have requested your credithistoryIn accordance with the Fair Credit Reporting Act, entities who have certified to Experian thatthey have a permissible purpose may inquire about credit informationFor example, organizations thathave granted you credit or with whom you have applied for credit, or entities collecting on transactionsthat you initiated or on judgments rendered against you, are permitted to make inquiries on your creditreportRequests for your credit history remain on the personal credit report for at least two years.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

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 contacted Experian customer service March 29, 2016 (I recorded the call) to discuss this situationI was told that it is Experian's policy to obtain information from *** ONLYExperian does not contact the companies that are reporting to them directly, therefore how can they determine what is accurate and what is notI have submitted this information to the ** Attorney Gerneral's officeThese accounts in question are only on my Experian reportsI am also going to seek counsel with a consumer advocate attorney
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
They never verified the information nor provided documentation of who they verified the information withI spoke with the US Bankruptcy court and they stated they do not verify information with the credit bureauI also reached out to *** and the account was under investigation when it was disputed with Experian and they stated they did not verify information with ExperianI plan to file suit in small claims court for defamation, willful injury and protection under the FCRAExperian failed to provide me with the description of the procedure used and provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire how they verified without providing any proof, bearing my signature
Regards,
*** ***

February 6, 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 January 30, regarding the above
mentionedconsumer's personal credit profile.We sincerely apologize for difficulty the consumers experienced with the security freeze on theirExperian credit reportToday I contacted the consumer and his wife directly by telephone and wasable to assist them with the Experian credit reportTogether, we were able to successfully address allof their concerns and issues regarding the security freeze.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:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I have since contacted the creditor and according to the creditor, they do not have record of this inquiryI am requesting that this inquiry be removed from my credit file....PERIOD

July 15, 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 6, 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.If the consumer has additional information regarding the disputed account, please forward it directly tomy attention 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 if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

June 24, 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 16, regarding the above
mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the 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,*** *** *** *** *** *** *** *** *** *** *** *** ***

I *** *** is authorizing this complaint and which was filed by *** *** ***

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
Attached verification information
Regards,
*** ***

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
***
*** ***

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 tried contacting Experian (via *** ***)
He has said that they do not see where a charge was made with my credit cardI
have my bank statement sitting here right in front of me where the charge was
made (unauthorized)*** *** is enjoying playing games with me, as he
does not like me for contacting the Revdex.comHe keeps doing what the lady in the
original complaint didHe asks me for all my personal financial information, and
then when I give it to him he refuses to provide me with any info as proof that
he is taking my info down for professional reasonsHe continues to make me
call him and he has proven to be incompetent in refunding me my moneyHe
refuses to let me talk to his bossThis is money that they should have just
refunded to me a month ago, but instead the games continueI am going to
contact my bank and report this as fraud on my account.
Regards,
*** ***

ExperianMarch 29, 2*16Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #2**San Diego, CA 92123RE: *** *** Complaint ID # ***REF# ***Dear Revdex.com.Our office recently received your correspondence dated March 21, 2*16,
regarding the above mentioned consumer's personal credit report.According to our records, the disputed *** *** *** account is not appearing on the consumer's current personal Experian credit reportWe are in the process of forwarding the report to the Consumer for review.Thank you for allowing me to assist youPlease feel free to contact our office directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***