Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern, I am writing to formally inform you that Experian failed to update my information following a legal name change, which has resulted in my credit score being completely absent.

I legally changed my name in XX/XX/XXXX. My name change was approved in XX/XX/XXXX. Following this change, I promptly informed Experian and provided all necessary legal documentation to support the update, including my court order, new identification documents, and any other required paperwork. I have updated my social security card and driver 's license. My name was updated on my credit cards and student loans. In XX/XX/XXXX, I contacted Experian to update my information on their website. Since changing my name, my credit score has disappeared on Experian. I have not had a FICO score for approximately six months. Before changing my name, I had a FICO score and credit history for over five years.

I have been relentless in my efforts to resolve this issue. I have called Experian multiple times, but I was only advised to send letters with copies of my court order name change, social security card, and driver 's license. I have diligently followed these instructions, sending multiple letters since XX/XX/XXXX. I have even gone the extra mile, faxing documents to Experian in the hope that they would update my information and restore my credit score. In XX/XX/XXXX, an Experian employee assured me the issue would be resolved, but I have yet to hear back. 

Despite my efforts, Experian has not updated my credit report to reflect my new legal name. This issue has caused significant difficulties, including the loss of my credit score, which has impacted my ability to obtain credit and conduct other financial activities.

I have attempted to resolve this matter directly with Experian multiple times, but my efforts have been unsuccessful. Each time I contact their customer service, I am assured that the issue will be resolved, but no action has been taken to correct my information. I have also submitted disputes through Experian 's online dispute center. Experian 's dispute results display my current legal name, but the information is yet to be updated on their website.

Experian 's failure to update my credit information violates my rights under the Fair Credit Reporting Act ( FCRA ). As you know, the FCRA requires credit reporting agencies to maintain accurate and complete information.

I request the Consumer Financial Protection Bureau 's assistance in resolving this matter. I seek the following remedies : An immediate update of my credit report is needed to reflect my new legal name.

Restoration of my credit score based on my accurate credit history.

Assurance that this issue will not affect my future credit applications and financial activities.

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure that Experian complies with its obligations under the law and rectifies this situation promptly.