Experian

November 6,
Revdex.com
Serving San Diego and Imperial Coun1ies
Viewridge Ave., #
San Diego, CA
RE *** ***
REF# ***
Complaint ID #
***
Dear Revdex.com:
Our office recently received your correspondence of October 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 itern 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

Yes, there is a third party working on my credit.Thank you,*** ***

December 29, 2014Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Revdex.com:Our office recently received your correspondence of December 18, regarding the abovementi***d
consumer's personal *** report.An Extended Security Alert has been added to the consumer's *** reportThis message, which willexpire after years, alerts *** grantors to verify the consumer's identification in case some*** isusing their information without their consent.Our records indicate that the disputed inquiry by *** *** *** in March does not appear onthe consumer's current Experian *** reportWe have mailed a current Experian *** reportdirectly to the consumer 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

November 16, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123** *** *** *** ** * *** ***Dear Revdex.com.Our office recently received your correspondence of November 7, regarding the
above mentioned consumer's personal credit report.We are currently investigating the student loans with which the consumer disagreesUpon Completion of this process, we will provide the results of our investigation directly to the Consumer.Our records indicate that a chapter bankruptcy does not appear on the Consumer's Current Experian credit report.Experian strives to achieve a high level of customer service for all the consumers they assistLet me assure you that Experian takes its Commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease Contact me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** ***
** *** ***

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. Last Reported *** *** ***Creditor Name *** ** ***Account Type *** ***Account Status OpenOpened Date Sep 01, 2008Closed Date --Limit --Term --Monthly Payment $0Responsibility Individual Account.Balance $7,525Highest Balance $7,000Payment Status CurrentWorst Payment Status --Date of Last Payment Feb 01, 2016Amount Past Due $0Times 30/60/Days Late 0/0/5*** *** *** * *** ***Account in forbearanceSep 01, 2008Open - CurrentMissed Payments$7,525THIS IS INCORRECT AND WRONGTHIS WAS INCLUDED IN MY BANKRUPTCY AND SHOULD NOT BE REPORTING AS LATEONE - I WAS IN SCHOOL IN AT THIS TIME AND WAS NOT TO BE PAID AS IT WAS IN DEFERRMENTTWO - THIS WAS INCLUDED IN MY BANKRUPTCYUPDATE AS SO!!!!!! IT'S REPORTING INCORRECTLYYOU UPDATED IT ON 6/24/AND UPDATED IT WRONG AND WORSE THAN IT WAS BEFORETHIS SHOULD STATE NO BALANCE, NO LATE PAYMENTS AND INCLUDED IN BANKRUPTCYHOW HARD IS THATI INCLUDED MY BANKRUPTCY PAPERWORK IN THE ORIGINAL REQUEST._______________________________________________Creditor Name *** ** ***Account Type *** ***Account Status OpenOpened Date Sep 01, 2011Closed Date --Limit --Term MonthsMonthly Payment $110Responsibility Individual Account.Balance $9,405Highest Balance $8,500Payment Status CurrentWorst Payment Status --Date of Last Payment --Amount Past Due $0Times 30/60/Days Late 0/0/1Remarks Account in forbearanceSep 01, 2011Open - CurrentMissed Payment$9,40I WAS IN SCHOOL IN AT THIS TIME AND WAS NOT TO BE PAID AS IT WAS IN DEFERRMENTNO MISSED PAYMENTS AS THERE WERE NOT ANY PAYMENTS DUE SINCE I WAS IN SCHOOLUPDATE AS SO!!!!!! IT'S REPORTING INCORRECTLY__________________________________________________________Last Reported Jun 24, 2016Creditor Name *** ** ***Account Type *** ***Account Status OpenOpened Date Sep 01, 2011Closed Date --Limit --Term MonthsMonthly Payment $0Responsibility Individual Account.Balance $15,872Highest Balance $12,000Payment Status CurrentWorst Payment Status --Date of Last Payment Feb 01, 2016Amount Past Due $0Times 30/60/Days Late 0/0/1Remarks Account in forbearanceSep 01, 2011Open - CurrentMissed Payment$15,872ONE - I WAS IN SCHOOL IN AT THIS TIME AND WAS NOT TO BE PAID AS IT WAS IN DEFERRMENTUPDATE AS SO!!!!!! IT'S REPORTING INCORRECTLYYOU UPDATED IT ON 6/24/AND UPDATED IT WRONG AND WORSE THAN IT WAS BEFORE____________________________________________Last Reported Jun 24, 2016Creditor Name *** ** ***Account Type *** ***Account Status OpenOpened Date Sep 01, 2008Closed Date --Limit --Term --Monthly Payment $0Responsibility Individual Account.Balance $5,500Highest Balance $5,500Payment Status CurrentWorst Payment Status --Date of Last Payment --Amount Past Due $0Times 30/60/Days Late 0/0/5Remarks Student loan - payment deferredAccount in forbearanceSep 01, 2008Open - CurrentMissed Payments$5,500THIS IS INCORRECT AND WRONGTHIS WAS INCLUDED IN MY BANKRUPTCY AND SHOULD NOT BE REPORTING AS LATEONE - I WAS IN SCHOOL IN AT THIS TIME AND WAS NOT TO BE PAID AS IT WAS IN DEFERRMENTTWO - THIS WAS INCLUDED IN MY BANKRUPTCYUPDATE AS SO!!!!!! IT'S REPORTING INCORRECTLYYOU UPDATED IT ON 6/24/AND UPDATED IT WRONG AND WORSE THAN IT WAS BEFORETHIS SHOULD STATE NO BALANCE, NO LATE PAYMENTS AND INCLUDED IN BANKRUPTCYHOW HARD IS THATI INCLUDED MY BANKRUPTCY PAPERWORK IN THE ORIGINAL REQUEST
Regards,
*** ***

November 17,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge Ave., #
San Diego, CA
RE *** ***
REF# ***
Complaint ID # ***
Dear Revdex.com:
Our office recently received your correspondence of November 10, regarding the above
mentioned consumer's personal credit report
Our records indicate that we have previously contacted the data furnishers 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 consumer for review
If the consumer disagrees with the results of the reinvestigation, it is the consumer's legal right, under
the FCRA, to add a 00-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
Sincerely,
*** ***
Senior Regulatory Affairs Associate

October 10,
Revdex.com
Serving San Diego and Imperial Counties
Viewridge
Ave., #
San Diego, CA
RE *** ***
REF# ***
Complaint ID # ***
Dear Revdex.com:
Our office recently received your correspondence of October 7, regarding the above mentioned
consumer's personal credit report
We are in the process of providing the current personal credit report directly to the consumer for
review
Experian strives to achieve a high level of customer service for all the consumers they assistLet me
assure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you
for allowing me to assist youPlease contact our office if you have any questions
Sincerely,
*** ***
Senior Regulatory Affairs Associate

September 28, 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 September 18,
regarding the abovementioned consumer's complaintWe have mailed a current credit report directly to the consumer for reviewIf there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdisputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent orincluded in bankruptcy" or for public record disputes "not mine, paid/satisfied, vacated or filed inerror"If the status dates, amounts, balances or other specific data is incorrect, the consumer shouldalso indicate what the correct information should bePlease specify the item or account name andnumber.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 dateof birth)Also, please include one copy of a government issued identification card, such as a driver'slicense, 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 assist Let 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 AssociateConsumer Affairs Special Services*** *** ***

Yes I do have a third party that is working on this for me.*** *** *** ***
*** ** ***

** *** ** *** *** ** * ***REF ***Dear Revdex.com,Our office recently received your correspondence of October 23, regarding the above mentioned consumer's personal credit report.We are currently investigating the information with which the consumer disagrees
Upon completion of this process, we will provide the results of our investigation directly to the Consumer.According to the Fair Credit Reporting Act (FCRA), a national Consumer Credit reporting agency's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the Consumer's disputeIn order to help resolve the Consumer's dispute, Experian will review all relevant documents submitted by the Consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documentsConsumers may also contact creditors directly to dispute items reported by the CreditorIf the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report.Experian strives to achieve a high level of Customer service for all the Consumers they assistLet me assure you that Experian takes its Commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease contact me directly if you have any duestions.Sincerely,*** *** *** *** *** ***

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 *** *** ***

I have retained *** on my behalfSo please use this as authorization to correspond and provide them with what they askThanks - *** ** ***

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.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

ExperianJanuary 8, 2016Revdex.com Serving Los Angeles Wilson Blvd., Suite Arlington, VA 22201RE: *** *** Your Complaint ID: *** Ref #: ***
Dear Eetter BUSiness Eureau.Thank you for your recent correspondence regarding *** ***In an attempt to further assist *** ***, | tried
to reach out to him by telephone, I was only able to leave a detailed message on the voicemail with *** *** and my contact informationI am in the process of mailing a current copy for *** *** to reviewIf he has any items he wishes to dispute he will need to provide us with his specific dispute along with the account name and number.Please contact our office if you have any questions.Sincerely,*** *** On Behalf of *** *** Consumer Affairs Special Services *** *** ***

I have attached the document with the last responseim requesting that Experian answer the notarized Affidavit that was submittedi need valaditation

March 2, 2017Revdex.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 February 21,
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 AssociateExperian Consumer Affairs ***

October 5, 2015Revdex.comServing San Diego, Orange and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Los Angeles Revdex.comOur office recently received your correspondence of September 23, regarding the abovementioned consumer's rebuttal of our response to her complaint.Regarding *** *** *** ***, our records indicate that we previously initiated aninvestigation of this account on 06/24/2014.The creditor verified the accuracy of the informationResults of the investigation were provideddirectly to the consumer for reviewBecause the creditor confirmed the accuracy of the disputedinformation, we must respectfully decline her request to remove the account from her Experian creditreport Any further concerns regarding the disputed account will need to be directed to the source ofthe information, *** *** *** ** *** *** *** *** ** *** *** ***
***We store information based on identification and address information provided to us by credit grantorsand providers of public recordsOne or more sources of information reported the identification and/oraddress information you questioned and it is a part of your credit historyIf you believe thisinformation is inaccurate, you may want to contact the source of the information directlyPleasecontact us by phone if you need additional assistance to determine the specific sources of particularidentification and address information on your credit report.If the consumer disagrees with the results of the reinvestigations, it is her legal right, under the FCRA,to add a 100-word statement specifying the nature of their disputeThe statement will appear with theitem as long as the item remains on the credit report.According to the Fair Credit Reporting Act (FCRA), a national consumer credit reporting agency's rolein the dispute process is to review the accuracy and completeness of any disputed item which mayinclude contacting the source of the disputed information and informing them of all relevantinformation 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 willforward such documents to the furnisher if Experian is unable to resolve the issue based on thosedocumentsConsumers may also contact creditors directly to dispute items reported by the creditor.If the consumer has any additional supporting documentation regarding the disputed information, shemay forward it directly to me for reviewIn some cases, depending upon the nature of the additionalinformation provided by the consumer, we can re-investigate the disputed accounts.Thank you for allowing me to assist youPlease contact me directly at ###-###-#### if you have anyquestions.Sincerely,*** ***Senior Regulatory Affairs AssociateConsumer Affairs Special Services*** *** ***

Revdex.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 May 8, regarding the above mentioned consumer's rebuttal of our response to their 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.Thank you for allowing me to assist youPlease contact me directly if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs 214726***

April 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 March 27, regarding the above
mentionedconsumer's complaint.We have mailed a current credit report directly to the consumer for reviewIf there is informationappearing on a credit report that is believed to be inaccurate or incomplete, we must have a specificdisputeExamples of specific disputes are as follows: "not mine, paid in full, never delinquent orincluded in bankruptcy" or for public record disputes: "not mine, paid/satisfied, vacated or filed inerror"If the status dates, amounts, b***ces or other specific data is incorrect, the consumer shouldalso indicate what the correct information should bePlease specify the item or account name andnumber.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 dateof birth)Also, please include one copy of a government issued identification card, such as a driver'slicense, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact me directly at ###-###-#### if you have any questions.Sincerely,*** ***Senior Regulatory Affairs Associate

::::: ExperianNovember 12, 2015Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID ***REF# ***Dear Revdex.com.Our office recently received your correspondence of November 5,
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 consumes.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 of 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 me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***C?*** ***