Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have had this ongoing problem with the Experian Credit Reporting Agency for now approximately 10 months. I have filed 3 complaints with Consumer Financial Protection Bureau CFPB and still have not been able to get existing problem fixed. This is my last attempt at trying to get existing problem resolved before seeking judicial intervention requesting penalties and possible punitive damages. 

The Experian Credit Reporting Agency has been notified of personal inaccurate information on my credit report. I have made numerous attempts since XX/XX/XXXX in writing and telephone conversations of the disputed the personal inaccurate information with Experian. 

Experian is continuing to report my name inaccurately on my credit report with their reporting agency. My name is XXXX XXXX XXXXXXXX, Date of birth XX/XX/XXXX, and Social Security No. : XXXX. I have provided a copy of my California Driver 's License ; copy Social Security Card ; copies of billing statements from all my creditors which all reflect my name as XXXX XXXXXXXX XXXX. 

Experian is reporting all my personal information and referencing all my creditors and FICO score with the name XXXX XXXX XXXX which is not my name and again I have informed and disputed this matter numerous times. Each time I am informed by a representative from Experian that they understand what the problem is and that it will be fixed within 7-10 business days there matter is never resolved. I have also been to told by Experian representative that my name is being reported as XXXX XXXX XXXX from my creditors and that I need to contact my creditors to have the matter resolved. I have spoken to each and every creditor over 3 times and they have insure me that they are reporting accurately and that the name that they have on there records is XXXX XXXX XXXX. I am told by each creditor that this is a Experian problem. I have no other issues with the other credit reporting agencies XXXX and XXXX XXXX only Experian. 

Experian with my correct name XXXX XXXXXXXX XXXX and personal information only reports that I have only one creditor XXXX which I got in XX/XX/XXXX and its indicates I have no FICO score which is totally inaccurate. With getting loans and creditors when they pull my name and information its not listing all my creditors length of time with creditors, payment history its is incorrect reporting which is affecting me. 

Again I have been told different things by Experian representatives that by credit report is blending which I have no idea how that is done and I have also been told because I only have the initial XXXX  as my first name that the Experian system can not recognize or accept only an initial so it blends. However if that is my accurate personal information and name how is this okay for a system to just report inaccurate information which is hurting me. 

I have enclosed copies of Experian credit reports which show inaccurate information and incorrect reporting. Please I would like to have this matter resolved or a detailed explanation as to how to resolve this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation