Consumer complaint received 2023-12-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX  Under NAMES Experian has listed on their consumer report about me that I have 14 names. The 14 names are displayed with name ID numbers. The description for this section of the report indicates there are three different sources for the listings of the names. each of which may report your personal information differently. This is why there may be variations of your name address, Social Security Number, etc. My personal legal names in my lifetime are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and approved by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is current as of XXXX. Does Experian dispute this? Experian has also reported on page 6 on their consumer report about me that SPOUSE OR CO-APPLICANT is XXXXXXXX Why is Experian using information from my former marriage of which I have been divorced since XXXX on their current credit report? Under ADDRESSES Why do the addresses have XXXX Codes and Address Ids? What is the purpose for the use of these codes? Under SOCIAL SECURITY NUMBER VARIATIONS Experian as listed None How would I know if EXPERIAN is using my correct social security number in their Consumer Report about me? There is no numeric indication on this report displayed to me such as last four of the Social Security number which is typical on such document. Why is that omitted from this report? Under FORMER OR CURRENT EMPLOYERS Experian reports that I am self-employed and retired. My former employment history is completely missing from this report. I have paid Social Security and US income tax out of my paychecks from my employers since XXXX. Why is this employer information omitted from EXPERIANs Consumer report? 
In a previous complaint to CFPB, I asked why is EXPERIAN allowing soft inquires during a security freeze from the following companies : ID ME, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are credit provider entities providing credit and insurance for people in New York. I did not apply for credit or a loan from any of them after XXXX XXXX so why are they being permitted access into my report? EXPERIAN has repeated " soft inquiries do not impact credit score '' and now " Soft inquiries are usually initiated by others, like companies making promotional offers of credit or your lender conducting periodic reviews of your existing credit accounts. '' I have none of those. EXPERIAN is inaccurate about me.

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