Consumer complaint received 2020-06-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Response to Experian 's reply and failure to answer and resolve prior CFPB ( complaint # XXXX ) Experian 's reply to continuing to put incorrect names on my Credit File was and I quote " Thank you for submitting your complaint on XX/XX/20 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' THIS MEANS EXPERIAN DID NOT TAKE TIME TO READ OR GIVE COPMLAINT ANY CONSIDERATION EVEN AFTER BEING PRESENTED WITH PROOF OF THERE ERRORS. NOT TO MENTION THIS RESPONSE WAS GENERIC AND FALSE. NOTHING IN MY COMPLAINT GIVE ANY NOTION THAT I AM NOT WHO I SAY I AM. EXPERIAN BE ADVISE I WILL BE TAKING LEGAL ACTION AND FOR YOUR VIOLATION OF THE FCRA. BETWEEN NOW AND BEING SERVED WITH NOTICE TO YOUR REGISTERED AGENT YOUR CAN ANSWER AND CORRECT MY CREDIT FILE OR SEE ME IN COURT. AGAIN MY COMPLAINT READS AS FOLLOWS : This complaint is for Experian failure to respond to my written personal info dispute letter DATED XX/XX/2020, ( MAIL VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ). This certified mail was received, signed for, and delivered into Experian possession on XX/XX/2020, as recorded and detail by the U.S. Postal Service. THIS FAILURE IS A VIOLATION OF FCRA SEC. 611 ( A ) ( 1 ) IN WHICH I WILL SEEK DAMAGES FOR IN A COURT OF LAW FOR EACH PERSONAL INFO ITEM THAT WAS NOT INVESTIGATED. This is not the only personal info dispute letter received by Experian, there has been prior letter disputing personal info and continually they refuse to correct the information even after being proved proof of the inaccuracies. Experian is attaching two addition names of individual to my Credit file similar to my Legal name but not my legal name. EXPERIAN REFUSES TO DELETE THESE TWO FALSE NAMES. The dispute letter in question is attached to this CFPB complaint. When I did send this letter to Experian along with this personal info dispute letter I attached my State of New Jersey drivers license, my current utility bill, and my Social Security Card all bearing my only Legal Name correctly spelled. This shouldve left no room for Experian to misconstrue the correct facts regarding my personal information. Experian is constantly and continuing to report inaccurate personal info on my Credit File. Time after Time I submitted proper documentation of my Identity, Correct Name, and Address. Experian continues to report my name wrong after repeated attempts of sending in my personal info dispute letters, which they continue to disregard. Experian needs to delete any name on my Credit File that is not my Legal Name. Please delete all incorrect names off my report, as they are not deliverable to me by the U.S. Postal Service, and they are not reportable because they are inaccurate and false. As per the FCRA, listing false and inaccurate information will lead to civil penalties in which I am going to pursue under the FCRA and the NJ FCRA

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