Consumer complaint received 2023-02-18
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:
Whoever is trying to resolve this problem at Experian opened up a dispute to change my name today XX/XX/XXXX but are not addressing the issue correctly. Why are they so confused when I was crystal clear? They're not giving me an opportunity to correct this and in their doing so without proper understanding of the problem, they still left out the name that is displaying as my default name. They're listing the original name twice and not the name in the middle that I reported about. 

They claim I never told them of my name change, and someone is lying because I found the document on my computer. XX/XX/XXXX was the date. I'm attaching it and I put the name you left out in RED on the 2nd page of the PDF. 

Look, this isn't rocket science, but requires someone to pay attention and notice the order of my name changes. Count the E 's. I do not have to upload court-orders and they're not providing me a way to do so anyway. They're manipulating the Experian database. This is unreal and given the attitudes of people answering the phones, I will not call Experian again. They don't tell the truth, they're argumentative, and are trying to get away with doing nothing but telling me to call creditors for this problem in their database. 

I am NOT calling creditors. I know how this works. They can not change how you're propagating fields in your front-end user interface. I do not know which one ( s ) keep sending you that name and I don't believe they are. Those accounts will sit there until XX/XX/XXXX when I plan to get them off my report for good. 

CFPB, I read that you're supposed to do something besides pass these complaints back and forth. Are you the XXXX or what? You do enforcement that I require here. This is violating the Rehabilitation Act and the Americans with Disabilities Act, because I'm XXXXXXXX XXXX XXXX. It's also violating the Fair Credit Recording Act. It has cost me credit, given me headaches, confused other bureaus, threw me into the hands of attorneys who refused to help because of the reason I changed my name, and held up my ability to obtain a mortgage. That was with Veterans United who took 2 months to straighten out this name nonsense to get my credit score. Current mortgage company was confused for a bit as well. 

It's nobody 's business why I changed my name, let alone twice. It was for very personal reasons and won't happen again. It wasn't malicious or fraudulent. I did it by the book and through the XXXX court system. What is being done at Experian is intentional & malicious. Whoever that is opens disputes & closes them without my interaction. FULL STOP! If I call, I won't get that individual who knows how to do it. Really, ladies & gentlemen, I'm too old for this nonsense and I'm being stressed/worn out on purpose.

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