Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: NY
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:
My credit report shows wrong patronyms pertaining to different individuals and this is causing me many direct adverse effects and prejudices. My true and full name as even disappeared from the current version of the Experian credit report, although I sent them XXXX times my photo identification and other proof of ID. I am attaching yet another credit card refusal due to " unable to verify identity ''. Indeed, there is at present no more link between my true name and my SSN in their replies to bank queries. However, that same request worked when submitting the erroneous names showed in the Experian reports, which demonstrates the direct relationship between all the adverse effects I've been suffering those last months and the numerous errors propagated by Experian. After speaking with the bank support we have been confirmed again that Experian is the root cause and must act to clean-up wrong names in my record in a very strict manner and above all absolutely sticking to the full patronyms showed on my identification documents. ( attached ) Most important, as my full name is made of a combination of XXXX extremely common given names and family names, all inversions, substitutions, omissions, or misspellings are particularly prejudicial, dangerous and are opening doors to the highest risk of identity spoofing and, at least will induce a mix with other existing individual sharing some near name combinations. In my specific case this is so frequent that I am providing attached a single example in the same New York state of a homonym of a female exactly named as it wrongly appears in my latest Experian credit report of today ( attached ). This again demonstrates the very direct Experian responsibility in many adverse effects I have been suffering. 

The SSA, the USCIS, the IRS, the SBA, all state insurances, all my banks, with professional and personal open accounts, all keep in their records my correct names since years. Only Experian is maintaining erroneous patronyms. My side as a preliminary step before reclaiming, I have made all the necessary communications with all entities which had recorded wrong and/or misspelled names such as missing name part, inversions between given and family names etc. This has been requiring lots of energy, time and money. Now after this tedious cleaning process I still see within the Experian credit report and credit history these name errors and inaccuracies persisting and not being flushed in their record, although we did submit in various occasion ( x XXXX at least ) our proof of ID, residence, all bearing the right and full spelling at the right address. 

Experian associates my SSN to wrong individuals and therefore, disseminates incorrect pairs patronyms-SSN. 

Among the missions and operating licenses allocated by the Federal Government to credit bureaus, as being a critical tier of trust in numerous transactions of the daily life, there is XXXX main commitment and civil responsibility before citizens which is to contribute to the best identity integrity and protection. In my case Experian does just the opposite. 

In my particular case it is very relevant that Experian removes rapidly all sources of identity confusion with homonymies, all risk of ID spoofing and ensure they do efficiently and actively contribute to synchronize with all meshed systems a unique and correct patronym associated to my SSN. And not the other way around, that is to say being an agent propagating mistakes by leaving tiers which do query the credit bureau record left with erroneous answers ( E.g. : confirming that my SSN is associated to another person who shares part of my name. ) The credit bureau can not be a dictionary and a register of all past mistakes. 

As Experian do not provide an in written precise list of furnishers by ID number which keep and report erroneous data, it leaves us without any means and without any recourses to duly act and protect our identity efficiently. The in written list is important as it allows to show evidence in an opposable way before the law the sources of errors. Here again Experian does not help to achieve the mission of identity integrity and protection. Oral exchanges over the phones are neither legally productive nor efficient.

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