Consumer complaint received 2021-10-23
Company: Experian Information Solutions Inc.
State: MI
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:
After at least 3-5 times of trying to get my information on my credit report corrected. Experian failed to 1. remove duplication of Credit cards on my account 2. inform me of who reported my name as XXXX in the XXXX report- since I have no new creditors. I asked over the phone prior to the last investigation started in XXXX- who was reporting name differently and in XXXX when I went online and saw that credit report came up as XXXX XXXX. How can someone change my name on my credit report unless it is FRAUD and I have the same creditors. The odd thing is that XXXX XXXX was on my credit report for this period. ( Experian said that it's not there now ) I had issues with this apartment complex ( mail theft, high levels of mold in closet, illegal entry into home, stole pension certified slips, drivers license, computer tampering etc... I had to pay to get an extra fastener to replace ridiculous long chain they put on door - what a joke, my lease deleted out of current email address - which I had a the time ) and just recently my lease ends sent to an email- I don't recall and they get mad because I ask are there any other emails that they sent my lease to. Also, my Experian credit report had my old address as my current address a few times back and forth ( especially online ) The more I think about this the more I believe that it is possible that this is the source of the reporting my name as XXXX XXXX XXXX 2b. I can't go back and do anything about it. It's the behavior of the management that's strange. 

I was told that if I called, they would be able to tell me who was reporting my name as XXXX. They have not told me and Experian says they don't know- throughout the whole process I have been given the run-around... This is a very odd situation and I can see that ther is something suspicious occurring concerning someone trying to change my name to XXXX for a purpose. I don't use XXXX that's not my legal name. 

I am including a letter for Experian from my card company. The numbers are the same on my report ( I dont understand why Experian will not correct it ) The card was lost or stolen in XX/XX/2021 and there is no reporting on it since then. 


The odd thing is that in the dispute letter Experian clearly gave me two different account numbers under the dispute ( neither are current )- so perhaps that is what the issue is and someone's account was on my report- there is a person that has name XXXX XXXX at that credit union but she has a different middle name and my XXXX pulled her up at least twice since I have been there. Like I said I get several mailings and perhaps they are from different departments or fake - or may be the left doesn't know what the right is doing. On one my name was correct and the other it was closed up without the hypen I have been having technical issues - Someone is interfering with technology use - some crazy things have occurred. If possible I would like to know if the information I am submitting is from Experian- I often get more than 1 thing in the mail ( if I get it ) and I am confused because different information is on it. 

I am disapointed in Experian as a credit bureau. It is difficult to get information in a timely matter- before it is gone and diffcult to get wrong info off report. Something strange is occurring but I have no way of getting help with this.

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 non-monetary relief