Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX My husband and I filed a rental application online with XXXX XXXX ( managed by XXXX XXXX ). The application had our correctly spelled FULL names and should have generated a background/credit check via XXXX XXXX ( DBA XXXX XXXX XXXX ). When we didn't hear from the Rental Property ( or receive our credit check ) for days, My husband called them ( XX/XX/XXXX ) and was told " they needed our SS # s '' ( should have seen 2 red flags, as WE were calling them and our SS # s were on the online app ). On XX/XX/XXXX : Ignorantly ( believing their system had issues ) we gave our SS # s over the phone to a XXXX year old named XXXX ( who quit right after this and may be a witness ). On XX/XX/XXXX, we received our " Rental Reports ''. I believe the Community Director, XXXX XXXX, used our SS # s to run credit reports using a different version of our names than on the actual application ( she literally mispelled my first name ). Initially, I had only noticed my name was different than application and told XXXX XXXX about it. Someone changed the spelling of my name on the report without me receiving any notice ( I believe XXXX XXXX did so herself and this is of great concern ). Also, These reports included a public record that should not have been on them ( Dismissed case ). I made it clear to the property management that they needed to get with XXXX XXXX ( XXXX ) and have this slanderous information removed ( In writing and via phone conversations with XXXX XXXX   and her supervisor XXXX ), but they kept insisting we needed to " upload proof ''. I finally compromised and on XX/XX/XXXX, via the online dispute for " XXXX '' ( XXXX XXXX ) I basically noted in their comment box under the disputed case that they needed to " Prove it or remove it ''. I received an auto generated Email at XXXX ( when it was submitted ) that it was " being investigated ''. Exactly 4 hours later I received an Email from XXXX XXXX   containing a direct link to the Court Case PDF ( shows they had direct access to the courthouse where case is filed and free XXXX showing all records, but chose the parts of public record they wanted to include in their Email ) and denying our application. The next morning ( XX/XX/XXXX ) we received word that the case had been removed. I have learned that XXXX XXXX has multiple class action lawsuits for doing the very same thing to others. The Rental Reports shows they use all 3 major credit agencies ( XXXX, Experian, and XXXX XXXX ), but specifically notes Experian on mine/ours. I have spoken with XXXX and XXXX XXXX and was told they have no inquiries for my SS # under either the correct name or the version used fraudulantly. I attempted to speak with someone at Experian, but their automated voice prompts NEVER give me the option on any of the phone numbers I have found. I need to understand why I can not speak with customer service in person about the issues with my SS #. I believe 2 Credit Reports were run for each of us, but we only received the fraudulant ones ( The property management/XXXX XXXX were able to add the slanderous information received from another source to the second reports ). Again, how was XXXX XXXX ( DBA XXXX XXXX ) and XXXX XXXX XXXX able to run a credit report/consumer report on us using different names than we put on application. Why would a property manager be able to change the name on our rental/credit report, much less without our knowledge ( when XXXX XXXX removed the slanderous information we received an Email ). Also, Our credit reports were released THRU the Rental Property/XXXX XXXX NOT directly from the XXXX XXXX ( XXXX XXXX DBA XXXX XXXX XXXX  ). ADVICE TO OTHERS : If you put your SS # on your online application DO NOT GIVE YOUR SS # to the Property Managers.

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