Consumer complaint received 2023-05-21
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: Information belongs to someone else

Complaint:
Subject : Incorrect Name Spelling and False Information on Credit Report Reference : XXXX Dear Sir/Madam, I am writing to bring to your attention a serious issue regarding my credit report. Upon reviewing my credit report, I have discovered that my name is misspelled. My correct name is XXXX XXXX, but it is listed as XXXX XXXX on my credit report. This error is causing significant trouble for me, as it has resulted in difficulties in using my credit and has the potential to harm my credit reputation. 

I must emphasize that it is highly irresponsible and concerning to have such an error on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that accurate and up-to-date information is maintained by credit bureaus to ensure the fair evaluation of an individual 's creditworthiness. 

Furthermore, I recently contacted someone at the US Bankruptcy XXXX XXXX XXXX XXXX XXXX to inquire about a bankruptcy report appearing on my credit report. During the conversation, I was informed that the US Bankruptcy Court does not report bankruptcies to consumer reports as that information is considered private and should not be included in credit reports. 

Considering this, I kindly request that you promptly investigate, correct the errors, and remove the false and non-public personal information from my credit report within four business days from the receipt of this letter. Additionally, I kindly ask you to provide me with the following information : 1. Please provide the name and contact details of the person within the US Bankruptcy Court XXXX XXXX XXXX XXXX whom you spoke with and who provided you with my non-public personal information. 

Please be advised that failure to address and rectify the aforementioned errors, remove the false information, and provide the requested information within the specified time frame may result in legal action being taken against your organization. Pursuant to the FCRA, I may seek damages of {$1000.00} per violation for the dissemination of false information, violation of consumer rights, and unauthorized access to non-public personal information.

I expect immediate attention and resolution of this matter. Therefore, I kindly request that you promptly investigate, correct the errors, and remove the false and non-public personal information from my credit report within four business days from the receipt of this letter. Failure to address and rectify the aforementioned errors and remove the false information within the specified time frame may result in legal action being taken against your organization. Pursuant to the FCRA, I may seek damages of {$1000.00} per violation for the dissemination of false information, violation of consumer rights, and unauthorized access to non-public personal information. Please send written confirmation of the actions taken to correct these errors, remove the false and non-public personal information from my credit report, and provide the requested information.

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