Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've written multiple letters to the credit bureaus spanning over a decades about the correction and removal of information on my credit file that was either incorrect, or did not belong to me. 

I have written letters to the credit bureaus numerous times that I shared a name with my father, who is now XXXX, and I suspected there had and has been foul play regarding my credit ; I've written in numerous times that the information needed to be adequately updated to reflect that my name is " XXXX XXXX XXXX XXXX '', and not ANY variant of the name or spelling, and that I had nothing to do with much of the information and accounts on my credit profile ; This has opened doors for the misuse of my credit profile. 

At the beginning of XXXX XXXX XXXX  XXXX one again did my due diligence to seek the repair of my credit profile with each bureau, and days later, suffered a car accident that rendered me unable to work and caused the loss of my transportation. I have written letters to each credit bureau in XXXX requesting the necessary changes/ removals to be done on my credit reports, and with their responses over the past XXXX months, I took the time to mail in their requested documentation supporting my claims, jumping through their hoops, to no avail. 

As of XX/XX/2023, not only have some of the credit bureaus willfully neglected my requests for the necessary changes, but their investigation ( XXXX ) has taken more than XXXX days to resolve. They are in direct violation of the credit consumer laws. Furthermore, I sought repair to the damage that has been done, and continues to be done, long before it ever should have been an issue ; I have had numerous issues, suffering XXXX XXXX XXXX XXXX  ; I have been denied living arrangements, employment opportunities, and funding opportunities to build a life of my own ; I have been unable to ever lease a vehicle and forced to rely on family for transportation, and finally as of XX/XX/2023, am undergoing an eviction and am facing homelessness due to the inability of the credit bureaus to carefully, and truthfully examine my cause and rectify the situation. 

I am demanding immediate correction of my credit reports and profile information, including but not limited to : The update and/or removal of Names, Date of Birth, Addresses, Phone Numbers, Employment, Creditor Account Information , Inquires ( Both Soft and Hard ), in addition to Financial Restitution for the damages caused by defamation of character, lowered standard of living, negligent enablement of identity fraud, mental anguishXXXX XXXX distress, discomfort, embarrassment, turmoil, and the inability to live a regular, normal, life due to the neglect, dishonesty, and irresponsibility of the credit bureaus for over a decade.

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