Consumer complaint received 09/24/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX XXXX XXXX and someone at Experian Credit Bureau or Experian Credit Tracker Credit Bureau Monitoring illegally, unlawfully, and physically without my approval, authorization, { and/or } consent changed my name on my Experian Credit Bureau file to the fraudulent, identity-theft name XXXX XXXX XXXX on XXXX XXXX 2015. The fraudulent, identity-theft name XXXX XXXX XXXX is not my name, has never been my name, and will never be my name. I 've never, ever used the name XXXX XXXX XXXX, XXXX XXXX, XXXX and/or XXXX XXXX XXXX in my entire life nor have I ever lawfully, legally, { and/or } physically ever signed my name to said names. I 've never asked for, obtained, { and/or } received any merchant goods { and/or } services under the names of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ever. I have absolutely no lawful, legal, physical identification or lawful, legal, physical bills in any other name except XXXX XXXX XXXX. I 've reported the names of XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX as fraudulent identity-theft names to all XXXX major credit bureaus, the FBI, and the police numerous times XX/XX/XXXX and recently to the FTC as well. I filed Chapter XXXX Bankruptcy XX/XX/XXXX because over a quarter of a million dollars of debt under these fraudulent, identity-theft names and XXXX others to be exact was merged onto all XXXX of my credit bureau files with bone-crushing devastating debt that I did n't create. XXXX Credit Repair Firm forced the credit bureaus to delete and remove over half of it, but after three months I could n't continually afford the arduous slow pace of the removals so I filed Chapter XXXX Bankruptcy to eliminate, eradicate, { and/or } liquidate it all at once. I was discharged on Tuesday XX/XX/XXXX and now I have a clean, fresh, slate to begin again anew. However, there is a group of people that are using the names of XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX illegally and unlawfully then associates me with the use of those names { and/or } puts the use of those fraudulent, identity-theft names on me. Someone at Experian Credit Bureau XXXX and/or XXXX Experian Credit Tracker Credit Bureau Monitoring also changed my lawful, legal, physical address on Thursday XX/XX/XXXX from my lawful, legal, physical present address of XXXX XXXX XXXX XXXX XXXX to an address I 've never lived before in my life. I called Experian Credit Bureau and Experian Credit Tracker Credit Bureau Monitoring and reported this. Experian 's excuse was that my address changed because a creditor named XXXX reported a debt to them against me and so my lawful, legal, physical address was changed to reflect the debt. Experian also stated whether it 's my name or not me or not they will report any debt against me that a creditor gives them as long as the creditor provides my social security number. I told Experian I 'm going to the police I stated anyone can purchase my social security number on the internet and since I 've been a mail-theft victim since XX/XX/XXXX my social security number has been stolen as well. I stated its fraud and identity-theft when credit bureaus report any information against me where my lawful, legal, physical name and social security card name is not the exact same name the creditor is reporting or any name I 've used to acquire, obtain, { and/or } receive goods. I faxed Experian verification documents which included my Government Photo ID, electric bill, and social security card to verify my name and address. One day after bankruptcy discharge Experian changed my lawful, legal, physical name to the fraudulent, illegal, identity-theft name of XXXX XXXX XXXX who the creditor I discharged was reporting. Thank-you kindly. 
Very sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief