Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Delaware XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Dispute XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, GA XXXX Re : XXXX XXXX SSN : XXXX , DOB : XX/XX/XXXX Dear XXXX and XXXX : This is another attempt to have my Profile and Credit Report information updated to reflect my legal name XXXX XXXX and to purge my account of inaccurate information because of fraud. 

XXXX XXXX has made numerous attempts to have this matter corrected, e.g., telephone calls, letters, filling out applications online, etc. all to no avail. 

Succinctly stated, my legal name is XXXX XXXX. The State of Delaware has established procedures for all Delaware residents to legally change their name and to notify all potential Creditors of the pending name change, and conversely clear the record of illegitimate Creditors claims. 

On XX/XX/XXXX, State of Delaware Court of Court of Common Pleas Judge XXXX XXXX XXXX changed my name from XXXX XXXX XXXX to XXXX XXXX, after I complied with all the legal procedures. See copy of the Court of Common Pleas Order, along with a copy of my drivers license and social security card attached for your convenience. 

The Delaware Statutes requires the publication of legal notice of name changes to inform all potential Creditors of the pending name change and to facilitate the transition of every legitimate Creditors Claim and conversely clear the record of illegitimate Creditors claims. No legitimate Creditors claim was lodged against XXXX XXXX during or after XX/XX/XXXX, in accordance with the Delaware Statutes. There is no legitimate legal Creditor Claim on the account of XXXX XXXX since XX/XX/XXXX. 

Yesterday, an Experian Dispute representative stated that Our system does not recognize a single character, such as XXXX  as a last name, therefore, we must continue to use the name XXXX as your last name and XXXX  as your last name. 

I informed the Experian Dispute representative that neither XXXX nor XXXX is my legal name and we can not interpolate the Delaware Statutes to allow us to assign debt ( s ) to a consumers account. Additionally, XXXX and XXXX have already updated my legal name of XXXX XXXX in their systems, unfortunately, they have assigned debt ( s ) to the account of XXXX XXXX. 

This dispute over my legal name with the Three Credit Bureaus has begun causing me hardships by interfering with my ability to extend credit limits or to obtain a credit line from my banking institution. 

By copy of this letter to Federal Trade Commission Chair XXXX XXXX XXXX an investigation is being requested into the Credit Bureau Accounts of XXXX XXXX at Experian, XXXX, and XXXX for possible fraudulent activities in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Delaware Statutes. 
Submitted by : XXXX XXXX XXXX/ Cc : XXXX XXXX XXXX , Chair, Federal Trade Commission Experian ( Member ID XXXX )

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