Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

The consumer reporting agency, Experian, is required by law to maintain complete and accurate information on my credit file. The Fair Credit Reporting Act ( FCRA ) requires the CRA to correct or delete the disputed item. This is outlined in Section 611 In Cases of Disputed Accuracy. 

I examined my report for accuracy and noticed a name XXXX XXXX, not affiliated with me legally or as an alias, in the personal section of my report. I disputed this inaccuracy and asked Experian to investigate and provide me with the legal documents they have on file to support their claim that XXXX XXXX is my legal name and accurate for my personal information. 

I have one name and no alias. 

I notified Experian repeatedly, and provided proof of my legal name, XXXX XXXX XXXX, the only name that should exist on my credit file. 
Experian was notified by me about this inaccuracy on several occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was also provided with the necessary requested documentation which included my drivers license and social security card. In one request, I submitted a copy of my utility bill with the social security card and drivers license. 

During my conversations with Experian representatives, including a fraud team representative, I conveyed my concerns about fraudsters gaining access to my file, using my name or applying for credit with a name, similar, but not identical to my legal name. There are active disputes for various account ownership that Experian will not properly investigate. Experian has informed me that the unknown accounts are verified but has not provided any proof of verification that supports their claim of ownership. 

Experian maintains an illegal and inaccurate name on my credit file, alongside of my legal name, which makes my file vulnerable to fraud and inaccuracy. 

After several unsuccessful requests for Experian to investigate and correct this issue, I initiated a formal complaint with the Consumer Financial Protection Bureau ( Case XXXX, XX/XX/XXXX ). On XX/XX/XXXX, Experian updated this communication portal w the CFPB that the matter was again being transferred to the dispute team, the same department who failed to properly investigate and update my personal information on several occasions. Experian also recommended that I call their toll-free number, all the same methods I used to no avail. When I called the toll-free number, I was told to send a letter. There is an element of intent on Experians behalf, to purposely maintain inaccurate information which opens my file up to fraud, which has the potential to suppress my credit rating. 

Experian has purposely and intentionally placed my personal data at risk and has violated the FCRA as it relates to verification of my personal data and report accuracy. 
On XX/XX/XXXX, an update to the portal for this matter in CFPB here was titled Description of non-monetary relief. Experian stated, Upon further research and investigation, we have updated your personal information from your credit report considering the information provided. The result summary was sent to you for review on XX/XX/XXXX XXXX XXXX. 

As of XX/XX/XXXX, and based on my most recent Experian Credit Report, Experian did not update my personal information. The same unknown name, XXXX XXXX remains a part of my report ( see attached ) further placing me at risk for fraud and preventing proper verification. 
Experian has blatantly misrepresented facts relevant to my complaint ; they did not update my personal information.