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Yes there is a third party working on my credit”

Posted by Reporter3765478,

Globalsolutionbusiness.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.
[Provide details of why you are not satisfied with this resolutionPlease respond in this space ONLY] I need validation of the bk bc the courts do not validate BK’s
Regards,
*** ***

Posted by Reporter3675093,

December 23, 2014Globalsolutionbusiness.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID #
***Dear Globalsolutionbusiness.com:Our office recently received your correspondence of December 16, 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 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 itern 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

Posted by Reporter3498354,

May 12, 2016Globalsolutionbusiness.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE*** *** Complaint # ***Ref # 126658741Dear RevDex.com.Our office recently received your correspondence dated May 4, 2016, regarding
the above mentioned consumer’s Experian credit report.We are currently investigating the disputed informationUpon 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 systemWe ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within days of the date that we received the consumer’s requestOnce we receive their response, we send the consumer the results of the investigationIf we do not receive a response within 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 disputeIf the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit reportThe 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 disputesPlease 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.*** *** Senior Regulatory Affairs AssociateConsumer Affairs Special Services *** *** ***Sincerely,

Posted by Reporter3615044,

November 19, 2014Globalsolutionbusiness.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE
*** ***REF# ***Complaint ID # ***Dear Globalsolutionbusiness.com:Our office recently received your correspondence of November 12, regarding the abovementioned consumer’s personal credit report.We are currently investigating the information with which the consumer disagreesUpon completionof this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit reportand tells us specifically why they believe the information is inaccurate or incomplete, we process thedispute as required by lawWe contact the furnisher of the information or the vendor that collected theinformation from a public record source such as a court or other government office eitherelectronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and completeinvestigation to verify all of the information regarding the disputed item, and report back within the timeframe required by lawWe review and consider the response to determine whether to accept it, rejectit, or follow up for additional informationIf, after processing, we find that the disputed information isinaccurate, incomplete or cannot be verified, we then delete that information, or modify thatinformation, as appropriate, based upon the dispute and the results of our processingIf we do notreceive a response from the furnisher or the vendor within the required period, we update the 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 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

Posted by Reporter3702700,

April 6, 2015Globalsolutionbusiness.comServing San Diego and Imperial CountiesViewridge Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Globalsolutionbusiness.com:Our office recently received your correspondence of March 30, 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

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Posted by Reporter3779170,

March 27, 2015Globalsolutionbusiness.comServing San Diego and Imperial CountiesViewridge
Ave., #200San Diego, CA 92123RE *** ***REF# ***Complaint ID # ***Dear Globalsolutionbusiness.com:Our office recently received your correspondence of March 18, 2015, 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?

Posted by Reporter3456458,

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

Posted by Reporter3629157,

Dear Globalsolutionbusiness.com:Our office recently received your correspondence of July 26, 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 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 ** *** ***

Posted by Reporter3643424,

December 16, 2016Globalsolutionbusiness.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123** *** *** *** ** ***
*** ***Dear Globalsolutionbusiness.com.Our office recently received your correspondence of December 8,
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 me directly if you have any duestions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** ***

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Posted by Reporter3562510,

Globalsolutionbusiness.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I have attached a letter from the Clerk of Court which states, that their office in fact DOES NOT provide information to the credit bureaus as they have claimed to have contacted the office to verify the misinformationTherefore Experian, has made statements in regards to verifying that this information is in fact incorrect information reporting against meSince Experian has failed to provide me valid proof, I now DEMAND that they cease to report this erroneous information immediately!
Regards,
*** ***

Posted by Reporter3420481,

This complaint is valid – I do have a third party entity assisting me . Please process *** *** * ***
***

Posted by Reporter3780801,

January 5, 2016Globalsolutionbusiness.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123*** *** *** *** ** ***
*** *** *** ***Today our office received your Correspondence of December 12, regarding the above mentioned consumer’s rebuttal of our response to her complaint.Our records indicate that we have previously investigated ** *** ** *** *** *** *** * *** ** *** *** *** ***In each instance, the information was verified as accurately reported at the bankruptcy court by our public record Werder.According to the Fair Credit Reporting Act (FCRA), Section (d) (1), if a bankruptcy is withdrawn before a final judgment “the Consumer reporting agency shall include in the report that such case was Withdrawn”.If the Consumer disagrees with the results of the reinvestigation, it is the Consumer’s legal right, under the FCRA, to add a 100-word statement specifying the nature of their disputeThe statement will appear with the item as long as the item remains on the Credit reportAny further Concerns regarding the disputed information may need to be directed to the ** *** *** *** ** *** *** *** *** *** *** *** ** *** *** ***If the Consumer has any additional supporting documentation regarding the disputed information, they may forward that directly to me for review.Thank you for allowing me to assist youPlease Contact me directly if you have any questions.Sincerely,*** *** *** *** *** *** *** *** *** *** *** *** ***
** *** ***

Posted by Reporter3511785,

April 13, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** *** Complaint ID # ***REF# ***Dear Consumer Information and Complaints.Our office recently received your correspondence of April 5, regarding the above mentioned consumer’s rebuttal of our response to her complaint.Regarding *** ** ** * *** *** our records indicate that we initiated investigations on 03/14/2016, 02/10/2016, 12/17/2015, and 12/07/In each instance the creditor responded that the account was accurately reported and confirmed the original date of delinquency of 03/18/Results of each investigation were provided directly to the consumer for review.Regarding *** *** our records indicate that we initiated investigations on O3/14/2016, O2/22/2016, O2/10/2016, 12/29/and 12/07/and 01/21/In each instance the creditor responded that the account was accurately reported and confirmed the original date of delinquency of 10/16/Results of each investigation were provided directly to the consumer for fe\/|EW.Potentially negative payment history is removed from the credit report seven years from the original date of delinquency.Regarding ** *** *** *** our records indicate that we initiated investigations on 03/29/2016, 11/10/2015, 11/11/and 10/11/In each instance the creditor responded that the account was accurately reportedResults of each investigation were provided directly to the Consumes for review.Regarding *** ***, our records indicate that this account does not appear on the consumer’s current Experian credit report.Regarding our investigation process, Experian contacts the source of the disputed information directly by letter, telephone, or through an automated verification systemWe ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within days of the date that we received the consumer’s requestOnce we receive their response, we send the consumer the results of the investigationIf we do not receive a response within 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 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.Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing informationTherefore, we cannot update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency.Any further concerns regarding the disputed information may need to be directed to the source of the 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 information regarding the disputed information, she may forward it directly to me 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 *** *** *** *** ** ***

Posted by Reporter3703440,

:::::: ExperianFebruary 16, 2016Better Business Eureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE *** Ho Complaint ID ***REF # ***Dear Eetter BUSiness Eureau.Our office recently received your correspondence of February 5, regarding
the above mentioned consumer’s personal credit report.To assist you, we must verify the consumer’s current delivery addressPlease send us 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, etcMake sure that each copy is legible (enlarge if necessary), displays the consumer’s name and current mailing address, and the date of issue (statement dates must be recent)We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.Please forward the consumer’s specific disputes along with the consumer’s complete identification information including Social Security number previous addresses in the last two years and date of birth).Upon receipt of this information, we will process the consumer’s request.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 me directly if you have any questions.***
*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services ***

Posted by Reporter3327286,

July 6, 2017Globalsolutionbusiness.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # *** RF#:***Dear Globalsolutionbusiness.com:Our office recently received your correspondence of June 27, 2017, regarding the above
mentioned consumer’s personal credit report.By federal law, your personal Credit report must list all organizations that have requested your Credit historyIn accordance with the Fair CreditReporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about Credit informationFor example, organizations that have granted you Creditor with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your Credit reportRequests 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 Credit will display under the heading “Inquiries shared with others” on your personal credit reportThese inquiries display on your credit report when it is accessed by others with a permissible purposeThese inquiries may affect your Credit score.Other inquiries for your Credit information are considered “soft” inquiries and do not affect your Credit scoreSome examples are: your current creditors to monitor your accounts, other creditors who want to offer you preapproved Credit; an employer who wishes to extend an offer of employment, a potential investor assessing the risk of a current credit obligation, an end user to complete your mortgage loan application, and insurance underwriting (auto or home)These inquiries appear under the heading “Inquiries shared only with you” on your personal credit report and are not seen by anyone but you (except insurance Companies may be able to see other insurance company inquiries)Contact the furnisher or the vendorAfter we complete our processing, we send the consumer the results.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, *** ***

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Posted by Reporter3562914,

Globalsolutionbusiness.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 do not know how much more specific I can bePlease see the attached that show the items to be corrected(which I have already provided)They are notated with a red exclamation mark.Experian stated, “The following information is reported to us by you, your creditors and other sourcesEach source may report your personalinfo differently, which may result in variations of your name, address, Social Security number, etcAs part of our fraud prevention efforts, a notice with additional information may appearAs a security precaution, we did not list the Social Security number that you provided when you contacted usThe names are listed in no particular order and may include variations of your legal nameThe Name identification number is how our system identifies the names associated with respective accounts on your credit reportThese addresses are listed in no particular order and may include previous addresses where you received mailThe Address identification number is how our system identifies the addressThe Geographical Code shown with each address identifies the state, county, census tract, block group and Metropolitan Statistical Area associated with each address.”This is errorI have again attached the specifics of what I requested along with their resultsThey need to get this fixed
Regards,
*** ***

Posted by Reporter3586739,

April 21, 2016Bettes Business Bureau Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE*** ** *** Complaint # ***Ref # ***Dear Globalsolutionbusiness.com.Our office recently received your correspondence dated April 15, 2016, regarding the
above mentioned consumer’s Experian credit report.A personal credit report, by law, must list all parties that have requested a consumer’s credit historyAccording to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about credit informationRequests for your client’s credit history remain on the personal credit report for yearsThe federal Fair Credit Reporting Act (the “FCRA”) section outlines permissible purposes of consumer reports.The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer’s profileThey are only logged on the report, when in fact, an inquiry was madeA record of this activity, pursuant to federal law, must remain a part of recordPlease note that Experian does not receive a copy of any applications made to credit grantorsThe consumer may wish to contact the creditor directly for that information.Therefore, we must respectfully deny your client’s request to remove the inquiryIf I may be of further assistance you, please feel free to contact me directly.*** *** Senior Regulatory Affairs Associate Consumer Affairs Special Services *** *** ***Sincerely,

Posted by Reporter3731062,

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 informationUpon 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 systemWe ask the source to check their records to verify all of the information regarding the item questioned, and report back to us within days of the date that we received the consumer’s requestOnce we receive their response, we send the consumer the results of the investigationIf we do not receive a response within 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 disputeIf the issue is not resolved, then the consumer reporting agency must offer to include a consumer statement on the personal credit reportThe 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 disputesPlease 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.*** *** Senior Regulatory Affairs AssociateConsumer Affairs Special Services *** *** ***Sincerely,

Posted by Reporter3413621,

::::: ExperianNovember 6, 2015Globalsolutionbusiness.com Serving San Diego, Orange and Imperial Counties Viewridge Ave., #200San Diego, CA 92123RE: *** *** Complaint ID # ***REF# ***Dear Globalsolutionbusiness.com.Our office recently received your correspondence of October 29,
regarding the above mentioned consumer’s personal credit report.We are currently investigating the information with which the consumer disagreesUpon completion of this process, we will provide the results of our investigation directly to the consumer.When a consumer disputes the accuracy or completeness of information on the personal credit report and tells us specifically why they believe the information is inaccurate or incomplete, we process the dispute as required by lawWe contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office either electronically or by US MailWe ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the disputed item, and report back within the time frame required by lawWe review and consider the response to determine whether to accept it, reject it, or follow up for additional informationIf, after processing, we find that the disputed information is inaccurate, incomplete or cannot be verified, we then delete that information, or modify that information, as appropriate, based upon the dispute and the results of our processingIf we do not receive a response from the furnisher or the vendor within the required period, we update the item as requested or delete the informationIn some instances, upon reviewing the credit file and any relevant information submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher of the vendorInvestigations can take as long as days to reach a conclusionAfter we complete our processing, we send the consumer the results.In addition to the consumer’s right to dispute information in the credit file with the credit reporting agencies, the consumer also has the right to dispute information in the credit report directly with the furnishes of the information.If the consumer questions the results of the dispute process, then they may want to contact the furnisher of the information directly or review the original information in the public recordPlease refer to the original personal credit report for the furnisher or public records office name, address, and phone number (if available)

Posted by Reporter3484222,

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