Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian illegally scrubbed my Credit File. 

For over a year I have had an established account with Experian, the credit bureau. In XXXX I had a judge legally change my name. The Pandemic has forced most Government agencies to close public offices and work from home, so I have had to apply to offices, agencies, creditors and everyone else either online or through mail. So the integration of my new legal name has been a slow process. 

On XX/XX/2021 I started an LLC in my home town. I applied for a business credit card with XXXX XXXX. They informed me that they could not issue me a credit card or an account because I had no credit history, no fico score and no open trade lines listed on Experian. I immediately called them and explained that there must be an error, that I do have an Experian profile and that I was in fact online looking at it to verify that everything was as it should be. They advised me to call Experian. I did. Experian claimed that XXXX XXXX was incorrect. But that if I had the legal documentation that I should send it in to them so that they could ad it to my existing file to validate the new name. I asked if the name showed anywhere in my file, and was told that it did. And that they were simply waiting for legal proof that it was indeed me before they published it. So I was given a website to send the documentation to. www.experian.com/upload. I sent the documents and went to sleep determined to reapply to XXXX XXXX the following day. 

The following morning I awoke and immediately opened my Experian Credit Account before making the phone to back to XXXX XXXX. I wanted to ensure that my credit file was in order, having all of my ducks in a row so to speak. What I discovered was that all of my credit history was gone. My fico score was completely gone. And I had only two tradelines instead of 10.

I immediately called Experian. They basically told me that there were two credit files. I do not know how or why. But that this one is now mine. How? Why? Where is my credit information? Where is my history? Where is my fico score? They have refused to correct this error. Stating that if I want that info on this report that I need to get my creditors to re-report my history under my new name. -ABSOLUTE NONSENSE- There is a place in all credit reports that states all names known or associated with that credit file. It says : " ALSO KNOWN AS '' And then gives a list of names if there are any other variants. For example. XXXX XXXX XXXX legally changed his name to XXXX XXXX. After submitting the proper documents to the credit bureau, they would have changed the primary name of XXXX XXXX XXXX to XXXX XXXX. And then in the name section it would be listed as : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX than that, his profile would have remained the same because nothing else has changed. The addresses, the history, the creditors, the debts, the fico score, the person is still the same. The file does not get deleted, the name simply gets added onto the file. 

They have deleted my file, and obliterated my credit history which takes YEARS to build. My credit worthiness is gone. AND I WANT IT BACK! What they did was wrong and I believe it was also illegal. I will be pursuing this matter in the courts as well.

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