Experian

April 30, 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 April 23, 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

Dear Revdex.com:Our office recently received your correspondence of August 17, regarding the above mentioned consumer's personal credit report.if there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute
Examples 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 our office if you have any questions.Sincerely, KLRew*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***

To whom it may concern,Please be advised that I have hired *** *** *** *** *** * *** who is legally authorized to act on my behalf with in the complaint filed against ExperianIf you have further questions please contact *** *** via the
contact details included above. Kind regards,*** ***###-###-####

I authorize *** *** *** to submit a complaint on my behalf.Thank you.*** ***

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

February 19, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** ***REF #: ***Complaint ID #***Dear Revdex.com:Our office recently received your correspondence of February 10, regarding the
abovementioned consumer's complaint.Our records indicate an Initial Security Alert was added to the consumer's Experian credit report onDecember 10, as requested by one or more of nationwide consumer credit reporting companies.This message, which will expire after days, alerts credit grantors to verify the consumer'sidentification in case someone is using their information without their consentThe federal Fair CreditReporting Act (FCRA) does not require that the credit reporting companies contact consumers withsecurity alerts on their credit reports when a creditor makes an inquiry into their credit history.The consumer states in his complaint that he "applied for credit thru *** *** ***"Ourrecords further indicate that *** *** Services checked the consumer's Experian creditreport on behalf of *** *** *** *** on January 22, 2015.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 withwhom you have applied for credit are permitted to make inquiries on your credit reportRequests foryour 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

The complaint is on my behalf via credit repair agency *** *** *** We have sent out letters to clear inaccuracies on my credit reportIt has been 30-days without a responseI would be happy to provide answers to anything other questions or concerns. Thank you, *** **
***

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
When a case is dismissed, it no longer exists in the eyes of the lawThe two dismissed bankruptcies were never adjudicatedSince they do not legally exist, as they were never adjudicated, they should not appear on my credit report.
Regards
*** ***

August 19, 2016Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** ** *** Complaint ID ***REF # ***Dear Revdex.com.Our office recently received your correspondence of August 19, regarding
the above mentioned Consumer's Complaint.Any account included in a bankruptcy remains on the personal credit report for a maximum of seven years from the date the bankruptcy was either filed or discharged.The bankruptcy itself, listed in the public record information section of the credit report, remains for seven years from the filing date if it was a Chapter 13, or years from the filing date if it was a Chapter 7, or 12.Experian strives to achieve a high level of customer service for all the consumers they assistLet meassure you that Experian takes its commitment to efficient, expeditious service seriouslyThank you for allowing me to assist youPlease Contact me directly if you have any questions.Sincerely,*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***CC *** D***

June 3, 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 May 26, 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 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
I'm not satisfied with the responsive is no what I wanted as an response I'm complaining about experian violating the laws of section 609,and I have disputed item that are don't belong to me not mine, experian refuse to RE-INVESTIGATE the to items and came back as VERIFIED by Who is vefired I need prove of who is verifying the items and prove of validation and prove of signatureI already have a report on don't need another report to review in addition of have already provided them my SSN card along with my ID and resident address.they know the account numbers to the native items and there names
Regards,
*** *** ***

Revdex.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** *** ID # *** REF #: ***Dear Revdex.com:Our office recently received your rebuttal of June 9, 2017, regarding the abovementioned
consumer's complaint.If 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 our office if you have any questions.Sincerely, *** ***Senior Regulatory Affairs Associate Experian Consumer Affairs ***CC*** ***

October 5, 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 25, regarding the
abovementioned consumer's personal credit reportWe 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 MaiL We 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 assist Let 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,*** ***
*** *** *** ***
*** *** *** ***
*** *** ***

::::: ExperianNovember 17, 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 9, regarding the above mentioned consumer's 2nd rebuttal of our response to her complaint.We have mailed a current credit report directly to the consumer for reviewIf there is additional 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.If the consumer has additional information regarding previously disputed information or supporting documentation, please forward it directly to my attention for review.Thank 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?*** ***

*** *** 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 youfor allowing me to assist youPlease contact our office if you have any questions.Sincerely,*** *** ** *** **
*** ***Senior Regulatory Affairs AssociateExperian Consumer Affairs*** *** ***

Our office recently received your correspondence of Segiember 27, 2017, the above-rrEntioned consumer's personal credit reportWe are currently 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 completeæss 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 tre furnisher of the inforrnation or the vendor that collectedthe information from a public record source as a court or other governrrent office eitherelectronically or by US MailWe ask the furnistEr or vendor to conduct a thorough and complete investigation to verify all of the information regarding tre disputed item, and report back within thetirne frame required by lawWe review and consi&r the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processirg, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modifythat information, as appropriate, based upon the dispute and the results of our processingIf we donot receive a response from the furnisher or the vendor within the required period, we update the itemas 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 informationshould be changed or deleted without having to contact furnisher or the vendorInvestigations can take as long as days to reach a conclusion After we complete our processing, we send theconsumer the results.In addition to the consumer's right to dispute information in the credit file with the credit reporting agencies, the consunv also has the right to dispune infom•ztion in the credit report directly with thefurnisher of the information.If the consurner questions tre results of the dispute process, then they may want to contact the furnisher of the information directly or review the original inforrnation in the public recordPleaserefer to the original persoral credit report for the furnisher or public records office narre, address, and phone number (if available)According to tre Fair Credit Reporting Act (FCRA), a national consurner 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 fumisher of the information or the vendor that collected the information from apublic record source, such as a court or other government office, notifying them of disputed information and disclosing all relevant information regarding the consumer's dispute.In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consurner with the dispute and will forward such documents to the furnisher ifExperian 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 consurner credit reporting agency must offer to irwlude a consumer statement on the personal credit reportExperian strives to achieve a high level of customer service for all consumers they assistLet me assure you that Experian takes its commitrrent to efficient, expeditious service seriouslyThank youfor allowing me to assist youPlease contact our office if you have any questions
*** ***Senior Regulatory Affairs Associate Experian Consumer Affairs*** *** ***

December 20, 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 December 13,
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,*** *** *** *** *** *** *** *** *** *** *** ***

April 24, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***-***REF# ***Complaint ID ***Dear Revdex.com:Thank you for your recent correspondence of April 15, regarding the above
mentionedconsumerOur records indicate that we have contacted the data furnisher to verify the accuracy ofthe information with which the consumer disagreesThe disputed information was verified asaccurately reported and confirmation was mailed to the above mentioned consumer for review.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 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)If the consumer has any additional supporting documentation regardingthe disputed information, they may forward that to us for review.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 disputeIf the issue is not resolved, then the consumer creditreporting agency must offer to include a consumer statement on the personal credit reportTheFCRA does not require that the consumer credit reporting company obtain documentation such as theactual signed sales slips, signature cards, contracts, etc.; nor does it require that consumer creditreporting agencies act as mediators or negotiators in account disputes.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

January 15, 2015Revdex.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE: *** ***Ref#:***Complaint ID # ***Dear Be11er Business Bureau:Our office recently received your correspondence of January 7, regarding the
above mentionedconsumer's complaint.Today I attempted telephone contact with Mr*** and left a detailed message with my contactinformationIf Mr*** continues to have questions or concerns regarding his Experian creditreport and/or security freeze he may call me directly at ###-###-#### and I will assist him in any waythat I can.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

*** *** *** *** ** *** ***Dear Revdex.com,Our office recently received your correspondence of October 29, regarding the above mentioned Consumer's rebuttal of our response to his complaint.Because We are unable to locate or access a Credit record for the consumer With the identification provided, we must have his complete identification informationComplete identification includes his full name, complete Social Security number, Current mailing address, previous addresses in the last two years and date of birthPlease 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.Please have the Consumer forward this information directly to my attention.Thank you for allowing me to assist youPlease Contact me directly if you have any questions.Sincerely,*** *** *** *** *** ***