Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
State: TX
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 reviewed my Credit Reports from XXXX, XXXX, and Experian. I found information derogatory, unfair, untrue and remains on my credit reports after notarized documentation was sent and several requests were made to update the personal information. XXXX lists several variation of last names that do not belong to me. XXXX and Experian still report false information also. My name is XXXX XXXX XXXX and no other names should represent me at all on my credit reports. I do not have aliases or " known as '' anywhere on my drivers license or birth certificate. At no time have I ever sent documentation of a name change or any modification of the name XXXX XXXX XXXX. The Credit Reporting Agencies were given my current address, employer, date of birth, and documentation proving my complete legal name with a copy of my birth certificate, drivers license, social security card. I also provided a current credit card bill to establish my address and real time validation. The 3 credit bureaus ( XXXX, XXXX, and Experian ), are reporting Incorrect and false information which is a violation of the FCRA and I demand that any other names other than XXXX XXXX XXXX be DELETED permanently from my consumer credit report. This my last effort to get my credit file corrected and the false information deleted. I retained legal counsel and It is my intent to sue XXXX, Experian, and XXXX for violations of the FCRA and the intentional damage to my reputation. Put simply, after notification and documentation they have failed to update my credit file which is resulting in derogatory. Information being reported from companies that profit from reporting whatever data they acquire. Any names other than XXXX XXXX XXXX are to be removed. Once removed I demand a Consumer FULL Credit Report be sent from XXXX, XXXX, and Experian. I have enclosed an XXXX side by side credit report showing the reported false information. I will also be filing CFPB complaints for each mistake on my credit reports " which are numerous among all 3 credit bureaus ''. I recently sent a list of mistakes for which I have credit reports before those corrections were challenged showing how all 3 credit bureaus have been reporting inaccurate and unfair information which resulted in increased interest rates and defamation of my reputation. I find it amazing that so much incorrect information can result across 3 credit bureaus when they receive information from a single furnisher. I disputed items on my credit report and they come back " Verified ''. I sent letters demanding the " Method of Verification " and I receive form letters from them indicating the information was verified with the furnisher. If I understand the FCRA correctly, I have the right to know how each dispute was verified and to have a copy of the materials they used to " Verify '' debts. I have read several civil cases that state the consumer has the right to see ALL INFORMATION the credit bureaus used to verify accounts. I requested sighed promissory notes and or contracts with legible ink signatures, " to date I have received nothing but " verified '' from all three Credit Reporting Agencies. This complaint to the CFPB serves as documentation and an attempt to resolve these issues before legal recourse is required. Please see attached documentation. These letters were sent to XXXX, XXXX, and Experian via Certified US Mail.

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