Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> EXPERIAN P.O XXXX XXXX XXXX XXXX, TX XXXX Subject : Second Notice of Dispute and Demand for Immediate Deletion of Erroneous Name Variations ( Report Number : XXXX ) To Whom It XXXX Concern, This is my SECOND FORMAL DEMAND pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i, regarding the continued presence of inaccurate and erroneous name variations in my EXPERIAN credit report ( Report # : XXXX, issued XX/XX/year> ). Despite my previous dispute dated XX/XX/year>, EXPERIAN has failed to correct or delete the erroneous name variations as required by law. I DEMAND the IMMEDIATE DELETION of all incorrect name variations from my credit file. Your persistent failure to comply within the XXXX statutory timeframe constitutes willful noncompliance, and I will pursue all legal remedies, including complaints to the Consumer Financial Protection Bureau XXXX CFPB ) and damages for violations of the FCRA. 

The following erroneous name variations, previously disputed, remain in my credit report and must be DELETED IMMEDIATELY : Name IDs : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

My sole legal name is XXXX XXXX XXXX XXXX Any other name variations are inaccurate, unauthorized, and irrelevant to my credit profile. 

EXPERIANs failure to remove these erroneous name variations after my initial dispute on XX/XX/year>, is a direct violation of the FCRAs requirement to conduct a reasonable investigation and delete unverifiable information. I have provided sufficient documentation, including my drivers license, Social Security Number, and a XXXX & XXXX XXXX XXXX ( Account # XXXX, dated XX/XX/year> ), to verify my identity and legal name. Your continued reporting of these inaccuracies is unacceptable and harmful to my creditworthiness.

I DEMAND : 1. Immediate deletion of all erroneous name variations listed above.

2. Written confirmation of all corrections, including an updated credit report reflecting these deletions, sent to my address : XXXX XXXX XXXX FL XXXX, XXXX, NJ XXXX. 
3. Compliance within 30 days from receipt of this notice, as mandated by the FCRA. 

Be warned : EXPERIANs refusal to correct these errors will be considered willful noncompliance, subjecting your organization to legal action, including but not limited to compensatory and punitive damages. I have already notified the CFPB of your initial failure to act, and I will escalate this matter further if necessary. Enclosed ( again ) are copies of my drivers license, Social Security XXXX, and XXXX XXXX XXXX utility bill to confirm my identity and legal name. 

Govern yourself accordingly. 

Sincerely, BY : XXXX XXXX XXXX XXXX FOR : XXXX XXXX XXXX WITHOUT XXXX XXXX XXXX Drivers XXXX, XXXX, and XXXX & XXXX XXXX XXXX XXXX : CFPB

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