Braden Construction

February 9, VIA Revdex.com COMPLAINT Re: Revdex.com Complaint ID Number: [redacted] Dear [redacted] : Thank you for contacting Factual Data through the Revdex.com’s consumer portalYour complaint, which was received by Factual Data on January 30, 2017, stated the following under the portal’s “Consumer’s Statement of the Problem” section: "I recently discovered that your company ran an unauthorized credit inquires on me on the following dates 2/29/and 3/25/I did not authorize such inquires and this constitutes a violation of my rights under the Fair Credit Reporting act 604; as well as a violation of my rights to privacy and subjects you to a fineI'm demanding that you contact the following credit reporting agencies TransUnion, Equifax, Experian immediately and have your inquires deleted from my credit fileAs you or company do not have any permissible purpose to pull my credit report as I didn't authorized itIf you find the inquires referenced above to be valid, please send me a description of the procedures used in your investigation and proof of authorization within business days of the completion of the investigation." Additionally, under the portal’s “Desired Settlement,” you noted: "Provide permissible purpose of credit pull, if you find the inquire referenced to be valid would like description of the procedures used in your investigation and proof of authorizationsRemove from all credit reporting agencies" Factual Data provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) to its clients, which are primarily banks, mortgage companies, and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposesFactual Data does not maintain a database of credit information In response to your request, we have attempted to contact you to explain our dispute procedure and inform you of who inquired into your creditWe have been unsuccessful in reaching youThe inquiries appearing on your credit report dated 2/29/and 3/25/were made by: [redacted] [redacted] *** [redacted] [redacted] [redacted] If the inquiries are inaccurate, you may dispute it with the companies noted above, the three Nationwide Consumer Reporting Agencies (NCRAs) listed below or Factual Data [redacted] I hope this response satisfies your inquiry Sincerely, Laura H [redacted] Consumer Assistance Manager Tell us why here

October 2, 2015Revdex.comSCounty Road #100Fort Collins, CO 80528Re: Case No.: [redacted] – [redacted] To Whom It May Concern:In reference to the complaint identified by the above mentioned case number (the “Revdex.com Complaint”), FactualData provides the following response:Factual Data attempted to obtain additional information surrounding the inquiry of March 22, We were unable to obtain any additionalinformation and therefore will request the inquiry be removed from Ms [redacted] ’ credit fileA copy of the removal request has been mailed directly to Ms[redacted] Sincerely,Shawn E***Senior Compliance Officer

Revdex.com: I have reviewed the response made by the business, and find that this resolution is satisfactory to me Regards, [redacted] ***

January 26, VIA Revdex.com COMPLAINT Re: Revdex.com Complaint Case Number: [redacted] Dear [redacted] : Thank you for contacting Factual Data through the Revdex.com’s consumer portalYour complaint, which was received by Factual Data on January 6, 2017, stated the following under the portal’s “Consumer Statement of the Problem” section: I checked my personal credit report, which I acquired from your organization on 3/2/and I noticed an unauthorized inquiry had been madeI request that you instate an investigation into FACTUAL DATA inquiry on my credit report to determine who authorized the inquiryIf, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed aboveIf you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within business days of the completion of the investigationThank you for your assistance in this matter, [redacted] Additionally, under the portal’s “desired settlement,” you noted: Remove inquiry from credit report on all credit reporting bureaus Factual Data provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) to its clients, which are primarily banks, mortgage companies, other lending institutions and landlords that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposesFactual Data does not maintain a database of credit information In response to your request, Factual Data contacted our end-user client, [redacted] regarding the inquiry requesting permissible purpose documentation Our client provided the authorization that was associated with this inquiry As this document illustrates permissible purpose, the inquiry will remain on your report A copy of this document is attached to this response I hope this response satisfies your inquiry Sincerely, Laura H [redacted] Consumer Assistance Manager

Complaint: [redacted] I am rejecting this response because: Regards, [redacted] It does but if I accept I cannot commentIn the [redacted] acct I had power of atty for my mother because I was helping her since she had alzheimers, maybe that is how I got connected to her acctBut it was her acct and she had a stroke and that's why we stopped the acctWe would like to settle this for her but it is her acct.I accept your response but needed to add that

Revdex.com: I have reviewed the response made by the business, and find that this resolution is satisfactory to me Regards, [redacted]

04/20/ [redacted] ** [redacted] Dear [redacted] ***: Thank you for contacting Factual DataWe received your Revdex.com (Revdex.com) complaint, complaint ID 12105409, on 04/17/In response, we attempted to contact you by phone on 04/18/and 04/19/2017, but were unable to reach you In regards to your request concerning the inquiry appearing on your credit reportThe inquiry was made by: [redacted] If the inquiry is inaccurate, please contact us using the information below to dispute the inquiry Factual Data provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) Experian®, Equifax® and TransUnion®, to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act (FCRA) to obtain credit information for lending purposesFactual Data does not maintain a database of consumer information Sincerely, Consumer Assistance

Thank you for the additional information Mr [redacted] We will be sure to include this information with your dispute Once we receive the response back from the NCRAs we will forward them to you directly.Respectfully,Shawn E***SrCompliance Officer Factual Data

October 20, VIA Revdex.com COMPLAINT PORTAL [redacted] Re: Revdex.com Complaint ID Number: [redacted] Dear Mr [redacted] : On behalf of Factual Data, I write in response to your complaint filed on the Revdex.com’s website, which was received by Factual Data on October 19, Specifically, you stated the following under the website’s “customer’s statement of the problem” section: This company has errors relating to a credit report preventing me from renting an apt and paying off debts1- [redacted] my brother and [redacted] is their bill2-The [redacted] bill is my mothers, she had a stroke, could not watch anymore and the company didn’t care charging her over $anyway And, under the website’s “desired settlement,” you noted: Correct the reportRemove those items By way of background, Factual Data is a reseller of consumer reports and does not maintain a database of consumer informationRather, we act as a conduit of the information passed between the three Nationwide Consumer Reporting Agencies (NCRAs) – Experian, Equifax and TransUnion – and our ultimate end-user clientBecause Factual Data does not have direct access to your credit file (which is maintained by the NCRAs) and does not maintain its own database of information, to the extent a consumer requests certain changes to his/her credit report, Factual Data must pass along the requested change to the relevant NCRA, which determines whether a change to your credit report should be made In response to your inquiry, Factual Data reached out to you directly to verify some additional information and has submitted your request to TransUnionOnce Factual Data receives responses from TransUnion we will forward those responses directly to you at the address you provided in your complaint I hope this response satisfies your inquiry Sincerely, Shawn E [redacted] Senior Compliance Officer

Complaint: [redacted] I am rejecting this response because: The dispute has not been resolvedI did not give permission for a [redacted] enquiring (on 5/23/14) for the address in [redacted] ***This address is over years old and is for corporate housing I lived in for weeks only I see no reason for a hard enquiring in for a temporary address I lived in on As requested, please investigate why such an enquiry was made and without my approval, as there is no logical reason Regards, [redacted]

April 15, Revdex.com SCounty Road #Fort Collins, CO Re: Case No.: [redacted] – [redacted] To Whom It May Concern: In reference to the complaint identified by the abovementioned case number (the “Revdex.com Complaint”), Factual Data provides the following response: By way of background, Factual Data is a reseller of consumer reports and subject to the Fair [redacted] Reporting Act, U.S.C§et seqThe information included in each consumer report provided by Factual Data is obtained from one or more of the following sources: [redacted] , [redacted] ***, [redacted] , as well as certain other information vendorsThe Revdex.com Complaint indicated that Factual Data pulled a [redacted] report on May 22, without Ms [redacted] authorizationIn response to this complaint, Factual Data contacted its client – [redacted] (who accessed the report through our system) – to obtain a copy of Ms [redacted] written authorizations [redacted] provided a copy of the authorization which contained Ms [redacted] signature authorizing the inquiryFactual Data will mail to Ms [redacted] a copy of the written authorization provided by [redacted] ***In light of the authorization documentation, the inquiry of May 22, will remain on Ms [redacted] fileSincerely, [redacted] Senior Compliance Officer

Review: On August 27, 2013, I hired Braden Construction to redo my roof. Shortly after they finished my roof, I noticed my roof began leaking pretty seriously. In my contract it states I have a 10 year guarantee on all labor and 30 year on all shingles. I have tried calling multiple times, but I can't get anyone to answer or return my call. I tried pretty steadily for about six months before giving up. My roof is still leaking and the inside of my house has sustained damage as well.Desired Settlement: I would like my roof to be fixed to standard and all water damage on my inside walls repaired.