Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX Consumer Assistance XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Business Account Update & Legal Name Recognition To Whom It May Concern, This letter serves as my formal demand that your agencies immediately update my records to reflect that my credit file is associated with a business account under the name XXXX XXXX XXXX. My previous name, XXXX XXXX XXXX, is a DBA ( Doing Business As ) and is no longer to be classified under a personal credit profile.

I have provided the court-ordered name change documents, the assumed business name filing, and my legal identification. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Bureau ( CFPB ) regulations, you are legally obligated to maintain accurate and complete information in both consumer and business credit reports.

Applicable Legal Provisions Supporting My Demand : FCRA 611 ( 15 U.S.C. 1681i ) Requires credit reporting agencies to investigate and correct inaccurate or incomplete information when a consumer submits valid documentation. Your failure to update my name and account status after receiving verified legal documents constitutes a violation. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Mandates that data furnishers and credit reporting agencies accurately report information related to identity and credit files. Misclassification of my business name as a personal account is an actionable violation under federal law. 
12 C.F.R. 1022.42 ( CFPB Regulation V ) Governs the accuracy of information in credit reports, explicitly requiring reporting agencies to properly classify consumer and business accounts to prevent misleading or false reporting.

12 C.F.R. 1002.6 ( b ) ( 8 ) ( ECOA Equal Credit Opportunity Act ) States that credit institutions must recognize a legally changed name when proper documentation is provided.

Since I have provided legal proof of my name change and business registration, you have no legal justification for failing to update my credit profile to reflect my business status. If you continue to misrepresent my identity and account type, you will be in willful noncompliance under 15 U.S.C. 1681n, exposing your agency to statutory damages, punitive damages, and attorneys fees.

Final Notice Before Legal Action If you do not update my name to a business account within 30 days of receipt of this letter, I will proceed with legal action, including : Filing a formal complaint with the CFPB Filing a federal lawsuit for FCRA violations Seeking statutory and punitive damages for willful noncompliance I expect written confirmation that this update has been completed no later than XX/XX/XXXX. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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