Experian

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September 8, 2015Globalsolutionbusiness.comServing San Diego, Orange and Imperial Counties47 47 Viewridge Ave , #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Globalsolutionbusiness.com:Our office recently received your correspondence of August 27, 2015 regarding the above mentionedconsumer’s personal credit reportWe are currently investigating the information with which the consumer disagrees. Upon 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 law. We 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 law. We review and consider the response to determine whether to accept it, rejectit, or follow up for additional information. If, 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 processing. If we do notreceive a response from the furnisher or the vendor within the required period, we update the itern 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 vendor. Investigations can take aslong as 30 days to reach a conclusion. After 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 record. Please 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 seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services[redacted]

Posted by Reporter2335641,

July 10, 2015Globalsolutionbusiness.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE: [redacted]REF #: [redacted]Case # [redacted]Dear Globalsolutionbusiness.com:Our…

office recently received your correspondence of June 30, 2015 regarding the above mentionedconsumer’s complaint.By federal law, your personal credit report must list all organizations that have requested your credithistory. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian thatthey have a permissible purpose may inquire about credit information. For 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 creditreport. Requests for your credit history remain on the personal credit report for at least two years.Inquiries from credit grantors who request your credit information as part of your application for creditwill display under the heading “Inquiries shared with others” on your personal credit report. Theseinquiries display on your credit report when it is accessed by others with a permissible purpose.These inquiries may affect your credit score.Other inquiries for your credit information are considered “soft” inquiries and do not affect your creditscore. Some examples are: your current creditors to monitor your accounts: other creditors who wantto offer you preapproved credit; an employer who wishes to extend an offer of employment; and apotential investor assessing the risk of a current credit obligation. These inquiries appear under theheading “Inquiries shared only with you” on your personal credit report.The FCRA does not require that the consumer credit reporting company obtain documentation suchas the actual signed sales slips, signature cards, contracts, applications, etc.; nor does it require thatconsumer credit reporting agencies act as mediators or negotiators in account disputes.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 seriously. Thank youfor allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

Posted by Reporter2380686,

Globalsolutionbusiness.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
          You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you cannot verify any of these accounts and under Section 611 (5)(A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.”

Posted by Reporter2539034,

::::: ExperianNovember 4, 2015Globalsolutionbusiness.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted]REF# [redacted]Dear Globalsolutionbusiness.com.Our office recently received your correspondence of October 27, 2015 regarding the above mentioned consumer’s rebuttal of our response to his complaint.Our records indicate that an Experian credit report was provided to the consumer on 10/22/2015. To insure receipt, today we are in the process of mailing the consumer their current Experian personal credit report.Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Posted by Reporter2003591,

My complaint  ID [redacted] should not be resolved.  My original complaint was received by them 07/05 and they responded 07/14. In that time, 9 days, it was impossible to verify the legitimacy of each of the inquiries in my original complaint.

Posted by Reporter2078151,

March 20, 2015Globalsolutionbusiness.comServing San Diego and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE…

[redacted]REF# [redacted]Complaint ID # [redacted]Dear Globalsolutionbusiness.com:Our office recently received your correspondence of March 11, 2015 regarding the above mentionedconsumer’s personal credit report.We are currently investigating the information with which the consumer disagrees. Upon 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 law. We 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 law. We review and consider the response to determine whether to accept it, rejectit, or follow up for additional information. If, 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 processing. If 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 vendor. Investigations can take aslong as 30 days to reach a conclusion. After 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 record. Please 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 seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

See also  Delgado & Delgado Attorneys at Law

Posted by Reporter2390888,

Globalsolutionbusiness.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.[redacted] (not sure of correct spelling) a supervisor from last Globalsolutionbusiness.com complaint lied and said that there was no charge made to my card. There was a charge and he lied so that he could get the case closed in favor of Experian. He tried making the process as difficult as possible and mindlessly, Globalsolutionbusiness.com took his word for it that they never charged my card. Well, I disputed this charge and recently received a letter from my bank stating that the dispute ended in my favor and the $7.95 was taken from the merchant and given to me. I just want to make sure we get the facts correct here. [redacted] will say that they tried contacting me, but they didn’t. Overtime he called it was to complicate the situation because we started off from a bad note and [redacted] got offended. He only contacted me to play a game that only he knows about. Anyway, the point is that he can say what he wants, but the decision ended in my favor and I do not believe this should continue to be recorded incorrectly on the Globalsolutionbusiness.com site.?Request for Globalsolutionbusiness.com to record the dispute as unresolved.After assessing the situation, my bank determined that Mr. [redacted] of Experian was not acting honestly, and the dispute was found to be in my favor. Please make the appropriate corrections so that Mr. [redacted] and Experian are found as the party liable of committing the wrongful acts. Their professional misconduct should not impact my responsible consumer behavior. Also, please note that Mr. [redacted] made no effort in apologizing to me. He apologized to Globalsolutionbusiness.com. This speaks volumes about his lack of regard for customers. Please contact me if you have any questions or if I can be of any further assistance to you.    
Regards,
[redacted]

Posted by Reporter1706263,

Dear Globalsolutionbusiness.com:Our office recently received your correspondence of May 24, 2017, 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.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 law. We 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 Mail. We 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 law. We review and Consider the response to determine whether to accept it, reject it, or follow up for additional information. If, 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 processing. If 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 vendor. Investigations can take as long as 30 days to reach a conclusion. After 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 record. Please 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 assist. Let me assure you that Experian takes its Commitment to efficient, expeditious Service seriously. Thank you for allowing me to assist you. Please Contact our office if you have any questions.Sincerely, [redacted] Senior Regulatory Affairs AssociateExperian Consumer Affairs [redacted]

Posted by Reporter2533998,

April 1, 2016Globalsolutionbusiness.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE. [redacted] Complaint # [redacted]Ref # [redacted]Dear Globalsolutionbusiness.com.Our office recently received your correspondence dated March 24, 2016, regarding the…

above mentioned consumer’s Experian credit report.We are currently investigating the disputed information. Upon completion of this process, we will provide the results of our investigation directly to the consumer.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification system. We ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within 30 days of the date that we received the consumer’s request. Once we receive their response, we send the consumer the results of the investigation. If we do not receive a response within 30 days we update the item as requested or delete the information, and send the consumer these results.According to the Fair Credit Reporting Act (FCRA), a consumer reporting agency’s role in the dispute process is to investigate the information to determine the accuracy and completeness of any disputed item by contacting the source of the disputed information and informing them of all relevant information regarding the consumer’s dispute. If the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit report. The FCRA does not require that the consumer reporting agency obtain documentation such as the actual signed sales slips, signature cards, contracts, etc., nor does it require that consumer reporting agencies act as mediators or negotiators in account disputes. Please forward any documentation directly to the Creditor for review.Please refer to the original Experian personal credit report for the business name, address, and phone number (if available) of the source that verified the information.|f| may be of further assistance, please contact me directly.[redacted] Senior Regulatory Affairs AssociateConsumer Affairs Special Services 214 726 4045Sincerely,

Posted by Reporter2168247,

Globalsolutionbusiness.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I receive two copies of the adjusted report. Both dated the same day November 23rd. One said that the bankruptcy items were deleted, the other said the bankruptcy items were updated and would remain on my report until June 2019. This would be 7 years after the discharge date of the bankruptcy. By law it must be removed 7 years after the filing date of the bankruptcy which was in July 2008. So it should have been removed from my report in July 2015. Please review your report again and ensure that these items are removed.
Regards,
[redacted]

See also  F & L Plumbing

Posted by Reporter2010742,

August 21, 2015Globalsolutionbusiness.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Globalsolutionbusiness.com:Our office recently received…

your correspondence of August 12, 2015 regarding the above mentionedconsumer’s personal credit report.Our records indicate that we have previously contacted the data furnishers to verify the accuracy ofthe information with which the consumer disagrees. The disputed information was verified asaccurately 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, underthe FCRA, to add a 100-word statement specifying the nature of their dispute. The statement willappear with the item as long as the item remains on the credit report. Any further concerns regardingthe disputed information may need to be directed to the creditors reporting this information. Pleaserefer to 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.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 seriously. Thank youfor allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs AssociateConsumer Affairs Special Services[redacted]

Posted by Reporter2183279,

Thank you for responding and I will be looking for the results in the mail.

Posted by Reporter2526678,

June 21, 2016Globalsolutionbusiness.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE T[redacted] Complaint ID # 1[redacted]REF# [redacted]Dear Sir/Madam:Our office recently received your correspondence of June 13, 2016 regarding the above mentioned consumer’s rebuttal of our response to her complaint.We store information based on identification and address information provided to us by credit grantors and providers of public records. One or more sources of information reported the identification and/or address information you questioned and it is a part of your credit history. If you believe this information is inaccurate, you may want to contact the source of the information directly. Please contact us by phone if you need additional assistance to determine the specific sources of particular identification and address information on your credit report.Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]

Posted by Reporter2218156,

Dear Globalsolutionbusiness.com:Our office recently received your correspondence of August 18, 2017, regarding the above mentioned consumer’s Experian Credit report.We are currently investigating the bankruptcy information with which the consumer disagrees. Upon 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 record. Although 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 Experian. Experian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record information. Experian’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 law. We 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 Mail. We 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 law. We review and Consider the response to determine whether to accept it, reject it, or follow up for additional information. If, 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 processing. If 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 vendor. Investigations can take as long as 30 days to reach a conclusion. After 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 record. Please 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 assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

Posted by Reporter1809503,

August 25, 2016Globalsolutionbusiness.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123[redacted] [redacted]Dear Globalsolutionbusiness.com.Our office recently received your correspondence of August 17, 2016 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 dispute. In 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 documents. Consumers may also contact creditors directly to dispute items reported by the Creditor. If 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 assist. Let me assure you that Experian takes its Commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any duestions.Sincerely,[redacted] Senior Regulatory Affairs Associate Experian Consumer Services [redacted]

Posted by Reporter1792655,

Globalsolutionbusiness.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[This is EXACTLY why Experian is getting away with placing inaccurate and unverified information and dates on the accounts of consumers.  It took a month for Experian and the Globalsolutionbusiness.com to tell me what I already know, which is that Verizon updated the account.  My concerns have completely been ignored and mocked. Both Verizon and Experian are guilty of allowing inaccurate amounts and dates to be placed on my acvount. For months.  This update from Verizon, Experian or the Globalsolutionbusiness.com remedies or justifies the violation of the FCRA that has taken place.  Highly disappointing.]
Regards,
[redacted]

See also  FnA Graphics

Posted by Reporter2484114,

April 14, 2016Globalsolutionbusiness.com Serving San Diego, Orange and Imperial Counties 4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted] Complaint ID # [redacted]REF# [redacted]Dear Globalsolutionbusiness.com.Our office recently received your correspondence of April 6, 2016 regarding the above…

mentioned consumer’s personal credit report.We are currently investigating the SYNCB/LOWES account with which the consumer disagrees. Upon completion of this process, we will provide the results of our investigation directly to the C??l???rl??.Our records indicate that the additional disputed information 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 assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact me directly if you have any questions.Sincerely,[redacted] Senior Regulatory Affairs Associate Consumer Affairs Special Services [redacted]?? . [redacted]

Posted by Reporter2110805,

Globalsolutionbusiness.com:
I have reviewed the response made by the business and I am rejecting the business response, due to this does  NOT  resolve this matter.         
Thank  you
[redacted]

Posted by Reporter2482570,

July 21, 2015Globalsolutionbusiness.comServing San Diego, Orange and Imperial Counties4747 Viewridge Ave., #200San Diego, CA 92123RE [redacted]REF# [redacted]Complaint ID # [redacted]Dear Globalsolutionbusiness.com:Our office recently…

received your correspondence of July 14, 2015 regarding the above mentionedconsumer’s personal credit report.We are currently investigating the information with which the consumer disagrees. Upon 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 law. We 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 law. We review and consider the response to determine whether to accept it, rejectit, or follow up for additional information. If, 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 processing. If 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 vendor. Investigations can take aslong as 30 days to reach a conclusion. After 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 record. Please 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 seriously. Thank youfor allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate

Posted by Reporter2541264,

Dear Globalsolutionbusiness.com:Our office recently received your correspondence of August 31, 2017, regarding the above-mentioned consumer’s personal Credit report.We are currently investigating the disputed bankruptcy information with which the Consumer disagrees. Upon 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 record. Although 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 Experian. Experian does not divulge the names of our vendors as this is proprietary information and they are not the source of this public record information. Experian’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 law. We 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 Mail. We 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 law. We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, 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 processing. If 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 vendor. Investigations can take as long as 30 days to reach a conclusion. After 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 thefurnisher of the information directly or review the original information in the public record. Please referto the original personal credit report for the furnisher or public records office name, address, and ; : phone number (if available).  According to the Fair CreditReporting Act (FCRA), a national consumer Credit reporting agency’s role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumer’s dispute. In 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 documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If 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 assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. Please contact our office if you have any questions.Sincerely,[redacted]Senior Regulatory Affairs Associate Experian Consumer Affairs [redacted]

Posted by Reporter1923993,

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