Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau P.O. Box 27170 Washington , DC 20038 Dear Sir or Madam, I am submitting a formal complaint against Experian due to serious and ongoing problems with how my credit information is being reported. My complaint concerns XXXX major issues : XXXX. Experian is providing XXXX completely different credit reports XXXX to me and a much different XXXX to potential creditors. 


XXXX. Experian has misspelled my name on my credit file and is refusing to correct it despite my requests. 



When I request my own credit report and score from Experian, I receive a report showing my score at approximately XXXX. However, when creditors or other third parties request my credit information, Experian sends them a completely different report listing a score of approximately XXXX a difference of about XXXX points. 

This discrepancy is not minor. It undermines my ability to obtain credit and misrepresents my true credit history. I have worked very hard over the past several years to improve my credit from the low XXXX to the XXXX, and I use the Experian report provided to me as a benchmark to ensure my progress. The drastically lower score Experian is reporting to creditors does not reflect my efforts or my true creditworthiness. 

Even worse, I have been unable to view or obtain the exact report with the XXXX score that Experian is sending to third parties. This lack of transparency prevents me from understanding or correcting whatever information is causing the discrepancy. 

Additionally, Experian continues to misspell my name on my credit file and has refused to correct it despite my requests and documentation. This misidentification could be contributing to the inaccurate reporting and creates an even greater risk of my credit history being confused with someone elses. 

I am requesting that the CFPB : XXXX. Investigate why Experian is maintaining and distributing XXXX separate and conflicting credit reports/scores for me. 


XXXX. Require Experian to provide me with the exact report and score it is providing to creditors. 


XXXX. Require Experian to immediately correct the spelling of my name in my file as provided in my identification documents. 


XXXX. Ensure that Experian reports only accurate, consistent, and transparent information to both me and to any third parties. 



I believe Experians actions are deceptive and harmful. They are misrepresenting my creditworthiness to potential creditors, withholding the report being provided to them, and refusing to correct basic identifying information about me. 

I appreciate your immediate attention to this matter and am happy to provide any documentation needed to support my complaint. 

Sincerely, XXXX XXXX

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