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Sarai Hannah Ajai's Incident Report Experian Credit Report Incorrect Name Entry: “Sarai Hannah Willis,” Failed Online Dispute Submission, No Prior Alert, and Formal Denial of Unauthorized Legal or Civil Identity Records

 Experian Credit Report Incorrect Name Entry: “Sarai Hannah Willis,” Failed Online Dispute Submission, No Prior Alert, and Formal Denial of Unauthorized Legal or Civil Identity Records


Reporting Party: Sarai Hannah Ajai
Affected System: Experian Online Credit Report / Experian Online Dispute Portal
Date of Discovery: June 30, 2026
Approximate Time of Discovery: Approximately 8:30 PM Central Time
Screenshot Evidence Time Range: Approximately 10:43 PM through 10:46 PM Central Time, June 30, 2026
Experian Report Date Shown: June 30, 2026
Report Number: Redacted
Incident Type: Incorrect personal-identifying name association; consumer credit report accuracy concern; failed online dispute submission; no prior alert or notification; possible mixed-file issue; possible unauthorized alias association; possible identity-theft-related personal information concern; potential FCRA accuracy and reinvestigation concern.

1. Purpose of This Incident Report

This Incident Report documents my discovery of an incorrect name entry, “Sarai Hannah Willis,” appearing in the Personal Information / Name(s) associated with your credit section of my Experian online credit report.

My correct legal name is Sarai Hannah Ajai. I have never used, gone by, signed documents under, applied for credit under, received credit under, consented to, or knowingly authorized the name “Sarai Hannah Willis.”

This Incident Report also documents that I did not receive any prior Experian alert, notice, warning, email, text message, account notification, or credit-monitoring notification advising me that the incorrect name “Sarai Hannah Willis” had been added, updated, associated with, or displayed within my Experian credit report.

This report further preserves my formal statement that I have not authorized any person to act for me, sign for me, file documents for me, record documents for me, create legal status records for me, execute civil records for me, create any marital status record for me, or use any identity document or credit report information on my behalf.

The Fair Credit Reporting Act requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy when preparing consumer reports. FCRA § 607(b), codified at 15 U.S.C. § 1681e(b), provides that a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates. (Legal Information Institute)

2. Summary of Incident

On June 30, 2026, at approximately 8:30 PM Central Time, I accessed my Experian online credit report account. While reviewing my Experian credit report details, I discovered that the name “Sarai Hannah Willis” appeared as a name associated with my credit profile.

This name is incorrect. I do not recognize it as a valid name that I have ever used. I am concerned that this incorrect name entry may indicate one or more of the following:

  1. A mixed-file issue involving another consumer’s information.
  2. An incorrect or unauthorized alias connected to my Experian credit profile.
  3. A data-matching error involving my personal-identifying information.
  4. A possible identity-theft-related record association.
  5. A possible attempt by another person to use a similar or partially matching name in connection with my personal-identifying information.
  6. A possible false identity association involving my consumer credit file.
  7. A possible unauthorized use of my identification documents, including my North Dakota Real ID Driver License card.
  8. A failure of Experian’s internal accuracy controls, validation rules, or data-matching procedures.
  9. A failure to notify me that a material personal-information change appeared on my credit report.

I attempted to dispute the incorrect name entry through Experian’s online dispute system. The system allowed me to select dispute reasons, including “Never known by this name,” “Belongs to another person with same or similar name,” and “Identity theft.” However, the Experian online dispute portal presented warnings for certain dispute reasons and ultimately displayed an error preventing the dispute from being submitted successfully.

The final error stated that the item was not submitted and needed attention. It further stated that Experian’s system was unable to process the item and directed me to cancel the dispute and contact Experian by phone.

3. Correct Name and Incorrect Name at Issue

Correct legal name: Sarai Hannah Ajai

Incorrect disputed name appearing on Experian report: Sarai Hannah Willis

Nature of disputed item: Incorrect name associated with my Experian credit profile

Consumer statement: I have never used, authorized, adopted, signed under, applied under, received credit under, consented to, or knowingly been identified by the name “Sarai Hannah Willis.”

Additional concern: The disputed name appears to combine my correct first and middle names with an incorrect last name. This creates a serious identity-integrity concern because the disputed name could be used by automated systems, creditors, landlords, lenders, tenant-screening companies, insurance-screening companies, employment-related background screeners, identity-verification systems, or account-authentication systems.

4. Formal Denial of Authority, Consent, Power of Attorney, Guardianship, Marriage Record, and Similar Instruments

I formally state that I have never granted any person authority to use my name, identity, personal-identifying information, identification documents, credit file, credit report, or legal status information in connection with the name “Sarai Hannah Willis” or any similar name.

I have never granted any Power of Attorney to any person authorizing that person to act in my name, sign in my name, file records in my name, submit documents in my name, record documents in my name, make legal decisions for me, conduct financial activity for me, create marital-status records for me, or rely upon my personal-identifying information for any civil, legal, financial, or administrative purpose.

I have not authorized any person to execute, file, submit, record, rely upon, or present any of the following in my name or on my behalf:

  1. Affidavit.
  2. Waiver of rights.
  3. Authorization form.
  4. Power of Attorney.
  5. Guardianship appointment.
  6. Conservatorship appointment.
  7. Representative authorization.
  8. Identity affidavit.
  9. Marital-status affidavit.
  10. Civil-status record.
  11. Administrative record.
  12. Court-related record.
  13. Credit-related authorization.
  14. Financial authorization.
  15. Any similar instrument that purports to create authority, consent, legal relationship, marital status, financial authority, identity verification, or civil status involving me and any other person.

I further state that I did not apply for, sign, consent to, authorize, participate in, or knowingly permit any of the following:

  1. Marriage license.
  2. Marriage certificate.
  3. Common law marriage claim.
  4. Domestic relationship record.
  5. Civil union record.
  6. Marital-status affidavit.
  7. Civil, legal, or administrative document naming me and any other person.
  8. Related public, private, court, agency, or administrative record connecting my identity to any other person through marriage, civil relationship, guardianship, agency authority, waiver, affidavit, or similar document.

Any marriage license, marriage certificate, common law marriage claim, affidavit, waiver, Power of Attorney, guardianship appointment, authorization, civil document, legal document, administrative document, or similar instrument that purports to bear my signature, reflect my consent, create any legal relationship, change or affect my civil status, or confer any legal authority involving any other person is, if such an instrument exists, unauthorized, disputed, denied, and not authentic.

I do not know the identity of the person or persons who may have accessed my information, used my identification documents, used my North Dakota Real ID Driver License card, used my consumer credit file reports, or caused the incorrect name “Sarai Hannah Willis” to become associated with my Experian credit file.

5. Statement Regarding Unknown Person or Persons and Disputed Fictitious Name

I am not the individual, nor am I any of the individuals, who may have used the fictitious name “Sarai Hannah Willis,” or any similar or identical name, in connection with any fraudulent, unauthorized, disputed, inaccurate, or unlawful activity involving my identity.

I do not know how the name “Sarai Hannah Willis” became connected to my Experian credit file. I did not request this name association. I did not authorize this name association. I did not consent to this name association. I did not receive notice from Experian before discovering this name myself.

I further state that I do not know the identity of the person or persons who may have unlawfully accessed, used, submitted, relied upon, or connected my information, identification documents, North Dakota Real ID Driver License card, or consumer credit file reports without my explicit knowledge, consent, or authorization.

This report does not independently establish who caused the incorrect name entry. However, the presence of the name “Sarai Hannah Willis” on my Experian credit report is inaccurate, disputed, denied, unauthorized, and requires investigation.

6. Lack of Prior Experian Alert or Notification

Before discovering the incorrect name on June 30, 2026, I did not receive any alert, notice, warning, account message, credit-monitoring notification, email, or text message from Experian advising me that the incorrect name “Sarai Hannah Willis” had been added to, updated on, associated with, or displayed within my Experian credit report.

This lack of notification is significant because the incorrect name is not a minor formatting difference. It is a materially different name that combines my first and middle names with a different last name.

I request that Experian explain:

  1. Whether adding or updating a name, alias, or personal-information identifier is considered an alertable event under my Experian account, product, or monitoring service.
  2. Whether Experian’s system recorded the date and source of the incorrect name entry.
  3. Whether Experian’s system generated any internal alert, audit log, update marker, or consumer-facing notification.
  4. Why I was not notified before discovering the incorrect name myself.
  5. Whether Experian has procedures to notify consumers when a new or materially different name appears on their credit profile.
  6. Whether any third party received, viewed, relied upon, or was provided a consumer report containing the incorrect name.

7. Chronology of Events

A. Discovery of Incorrect Name Entry

On June 30, 2026, I reviewed my Experian online credit report. In the section titled “Personal Information” and subsection “Name(s) associated with your credit,” Experian displayed multiple name entries.

The visible name entries included:

  • Sarai H Ajai
  • Sarai Hannah Ajai
  • Sarai Ajai
  • Sarai Hannah Willis

The name “Sarai Hannah Willis” is incorrect. I have never used this name and do not authorize this name to be associated with my credit report.

B. No Prior Alert Before Discovery

Before discovering the incorrect name entry, I did not receive any alert or notice from Experian informing me that a new or different name had appeared on my Experian credit report.

This is significant because the incorrect name is not a minor spelling variation. It is a materially different identity entry that uses my first and middle names with a different last name.

C. Attempt to Dispute the Incorrect Name

After identifying the incorrect name, I selected the “+ Dispute” option next to the incorrect name entry. The Experian portal displayed a dispute reason dropdown for the name “Sarai Hannah Willis.”

The available dispute reasons shown in the portal included:

  1. Never known by this name
  2. Belongs to another person with same or similar name
  3. Identity theft

Because I have never used the name “Sarai Hannah Willis,” I attempted to proceed with a dispute based on the incorrect-name issue.

D. Portal Warning for “Identity Theft” Selection

When the dispute reason “Identity theft” was selected, the Experian portal displayed a red warning message stating that if the information appears on the report as a result of identity theft, it is necessary to contact Experian by phone for assistance.

This warning is material because the incorrect name entry raises a reasonable identity-theft concern. However, the online portal did not provide a successful direct online submission path for the disputed item.

E. Portal Warning for “Belongs to Another Person With Same or Similar Name”

When the dispute reason “Belongs to another person with same or similar name” was selected, the Experian portal displayed a red warning stating that if information belonging to another person, including a family member, may have been combined with my information, I should contact Experian by phone for assistance.

This warning is also material because the incorrect name entry may reflect a mixed-file issue or same/similar-name matching issue.

F. Attempted Submission Using “Never Known by This Name”

The dispute workflow later showed the item “Sarai Hannah Willis” in the dispute cart. The details field stated:

“Never known by this name.”

The portal displayed that 1 item was not yet submitted and gave an option to submit the dispute request. My email address fields were displayed for dispute result notification purposes.

I attempted to submit the dispute through Experian’s online portal.

G. Final Submission Failure

After attempting to submit the dispute, Experian’s portal displayed a red error notice stating that 1 item was not submitted and needed attention.

The disputed item was:

Name: Sarai Hannah Willis
Details: Never known by this name

The portal then displayed a message stating that Experian’s system was unable to process the item and instructed me to cancel and contact Experian by phone.

This final portal failure prevented the online dispute from being successfully completed, even though the disputed information was visible in Experian’s report and the portal initially provided a dispute button for the item.

8. Screenshot Exhibit Summary

Exhibit A1 — Experian Dispute Results / Personal Information Page

Exhibit A1 shows my Experian online credit report portal dated June 30, 2026. The page displays the Personal Information section and the subsection for Name(s) associated with your credit. The incorrect name “Sarai Hannah Willis” appears among the names associated with my credit.

Exhibit A2 — Dispute Reason Dropdown

Exhibit A2 shows the Experian dispute dropdown for the incorrect name entry. The available dispute reasons include “Never known by this name,” “Belongs to another person with same or similar name,” and “Identity theft.”

Exhibit A3 — Identity Theft Dispute Selection Warning

Exhibit A3 shows that selecting “Identity theft” caused the Experian portal to display a red warning instructing me to contact Experian by phone because identity-theft-related disputes require special handling.

Exhibit A4 — Same or Similar Name / Mixed Information Warning

Exhibit A4 shows that selecting “Belongs to another person with same or similar name” caused the Experian portal to display a red warning stating that information belonging to another person, including a family member, may have been combined with my information.

Exhibit A5 — Incorrect Name Added to Dispute Cart

Exhibit A5 shows the incorrect name “Sarai Hannah Willis” marked as being in the dispute cart. This confirms that I took steps to dispute the incorrect name entry through the Experian portal.

Exhibit A6 — Review Request Page Before Submission

Exhibit A6 shows the Experian Review your request page. It states that 1 item had not yet been submitted. The disputed item shown is “Sarai Hannah Willis,” with the details listed as “Never known by this name.”

Exhibit A7 — Final Submission Failure

Exhibit A7 shows the final error page. The Experian portal states that 1 item was not submitted and needed attention. The disputed item remained “Sarai Hannah Willis,” with the details “Never known by this name.” The portal states that Experian’s system was unable to process the item and instructs me to contact Experian by phone.

9. FCRA Statutes and Legal Concerns Implicated

This section does not state a final court finding. It identifies the federal statutes that may be implicated by the facts documented in this report.

A. FCRA § 607(b), 15 U.S.C. § 1681e(b) — Maximum Possible Accuracy

FCRA § 607(b), codified at 15 U.S.C. § 1681e(b), requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy when preparing consumer reports. (Legal Information Institute)

The appearance of the incorrect name “Sarai Hannah Willis” on my Experian credit report raises a potential FCRA accuracy concern because:

  1. The name is not my correct legal name.
  2. I have never used this name.
  3. I did not authorize the name to be associated with my credit report.
  4. The name materially differs from my correct name.
  5. The name may confuse my credit file with another person’s information.
  6. The name may affect identity verification, credit review, housing review, or account-authentication decisions.
  7. The name may be connected to unauthorized records, if any such records exist.

B. FCRA § 611(a), 15 U.S.C. § 1681i — Reinvestigation of Disputed Information

FCRA § 611(a), codified at 15 U.S.C. § 1681i, provides that when the completeness or accuracy of information in a consumer’s file is disputed and the consumer reporting agency receives notice of the dispute, the agency must conduct a reasonable reinvestigation free of charge and record the current status or delete the item within the required period. (Legal Information Institute)

Because Experian’s online portal failed to process my dispute, I request that Experian treat this written Incident Report and attached screenshots as a direct written dispute of the incorrect name “Sarai Hannah Willis.”

I also request that Experian not rely on the online portal failure as a reason to delay, deny, ignore, or reject my dispute rights.

C. FCRA § 605B, 15 U.S.C. § 1681c-2 — Blocking Information Resulting From Identity Theft

If Experian determines, or if I formally submit supporting identity-theft documentation, that the incorrect name resulted from identity theft, FCRA § 605B, codified at 15 U.S.C. § 1681c-2, may be implicated. FTC/IdentityTheft.gov guidance states that section 605B requires credit bureaus to block fraudulent information resulting from identity theft after receiving the required documentation, including an Identity Theft Report and proof of identity. (Consumer Advice)

At this stage, I am documenting this as a potential identity-theft-related concern because the incorrect name uses my first and middle names with an incorrect last name. I request that Experian advise me in writing if additional identity-theft documentation, proof of identity, or an FTC Identity Theft Report is required to process the matter under FCRA § 605B.

10. Why This Incident Is Serious

The incorrect name entry is not a minor typographical issue. The disputed name “Sarai Hannah Willis” appears to use my first and middle names while replacing my correct last name with a different last name.

Because credit reports are used for identity verification and financial screening, this incorrect name could cause harm in several ways:

  1. It could cause creditors to believe I used a name I never used.
  2. It could cause automated systems to associate me with another person.
  3. It could affect credit decisions.
  4. It could affect leasing or housing-screening decisions.
  5. It could affect account-authentication questions.
  6. It could interfere with future disputes.
  7. It could affect fraud-detection systems.
  8. It could create confusion in identity-verification records.
  9. It could create an inaccurate alias history.
  10. It could make it harder to separate my file from another person’s information if a mixed-file issue exists.
  11. It could be used to support unauthorized civil, legal, administrative, or marital-status records if any such records exist.
  12. It could interfere with my ability to prove that I did not authorize any Power of Attorney, affidavit, waiver, guardianship appointment, marriage license, marriage certificate, common law marriage claim, or similar document.

The concern is increased because Experian’s online dispute portal did not successfully submit the dispute and because I did not receive a prior alert notifying me that the incorrect name appeared on my credit report.

11. Actions Taken

Based on the screenshots and my recollection, I took the following actions:

  1. Logged into my Experian online credit report account.
  2. Reviewed my Experian credit report dated June 30, 2026.
  3. Identified the incorrect name “Sarai Hannah Willis” in the personal information section.
  4. Confirmed that I have never used or authorized that name.
  5. Confirmed that I did not grant any Power of Attorney or authorization to any person to act in my name or on my behalf.
  6. Confirmed that I did not authorize any affidavit, waiver, guardianship appointment, marriage license, marriage certificate, common law marriage claim, civil document, legal document, administrative document, or similar instrument naming me and another person.
  7. Noted that I did not receive any prior Experian alert or notification about the incorrect name.
  8. Selected the dispute option next to the incorrect name.
  9. Reviewed Experian’s dispute reason options.
  10. Observed the portal warnings for identity theft and same/similar-name mixed-information issues.
  11. Added the incorrect name dispute to the dispute cart.
  12. Attempted to submit the dispute using the reason “Never known by this name.”
  13. Encountered Experian’s final error stating that the item could not be processed.
  14. Preserved screenshots as Exhibits A1 through A7.

12. Requested Review and Corrective Action

I request that Experian perform a complete investigation and provide a written response explaining:

  1. Why the name “Sarai Hannah Willis” appears on my Experian credit report.
  2. The source of the incorrect name.
  3. The date the incorrect name was first added to my Experian credit file.
  4. The date the incorrect name was last updated, refreshed, verified, or transmitted.
  5. Whether the incorrect name is associated with any account, inquiry, address, phone number, Social Security number variation, date-of-birth variation, employment record, public record, collection item, or other credit-file data.
  6. Whether the incorrect name came from a furnisher, public-record source, vendor, data broker, internal match process, or another consumer’s file.
  7. Whether this is being treated as a mixed-file issue.
  8. Whether this is being treated as an identity-theft-related issue.
  9. Why Experian’s online dispute portal could not process the item.
  10. Whether Experian can manually open and process the dispute.
  11. Why I did not receive an alert or notification when the incorrect name appeared or was updated.
  12. Whether Experian has logs showing when the incorrect name entered my report.
  13. Whether Experian will correct, suppress, delete, or block the inaccurate name association if it cannot verify that the name belongs to me.
  14. Whether Experian will provide updated dispute results in writing.
  15. Whether Experian will provide a corrected credit report after the investigation.
  16. Whether the incorrect name was connected to any civil, legal, marital-status, administrative, court, identity, or authorization record.
  17. Whether Experian has any record indicating that I authorized another person to act on my behalf.
  18. Whether any third party received a consumer report containing the incorrect name “Sarai Hannah Willis.”

13. Statement of Non-Authorization

I state for the record that I do not recognize “Sarai Hannah Willis” as a name that I have ever used.

I did not authorize Experian, any creditor, any furnisher, any data broker, any third party, any government office, any court, any private person, or any organization to associate the name “Sarai Hannah Willis” with my Experian credit report.

I further state that, to the best of my knowledge, the appearance of this name is inaccurate and requires investigation, correction, written explanation, and preservation of all related source records.

I deny authorizing any person to access, use, submit, file, record, or rely upon my identity, my North Dakota Real ID Driver License card, my consumer credit file reports, my signature, my name, my Social Security number, my address history, or any related personal-identifying information for any unauthorized purpose.

14. Concern Regarding Possible Identity Association

Because the incorrect name includes my first and middle names but uses a different last name, I am concerned that another person’s information may have been matched to my credit file or that someone may have used a partially matching name in connection with my personal-identifying information.

This report does not independently prove who caused the incorrect name entry. However, the presence of the incorrect name on my credit report is a serious identity-integrity issue and should be investigated as a potential:

  1. Mixed-file issue.
  2. Incorrect alias issue.
  3. Data-matching error.
  4. Unauthorized personal-information association.
  5. Identity-theft-related credit report issue.
  6. FCRA accuracy issue.
  7. Unauthorized use of my identity documents.
  8. Unauthorized use of my consumer credit file reports.
  9. Unauthorized civil, legal, or administrative identity association, if any such record exists.

15. Harm and Risk

The harm and risk from this incident include:

  1. Possible inaccurate credit-file matching.
  2. Possible confusion between my identity and another person’s identity.
  3. Possible impairment of future credit, housing, insurance, employment-related, or financial verification processes.
  4. Possible failure of identity-verification systems if incorrect name data is used for authentication.
  5. Possible inability to complete disputes through Experian’s online process.
  6. Lack of consumer notification before I discovered the incorrect name myself.
  7. Administrative burden caused by having to document, dispute, and preserve evidence.
  8. Risk that creditors or third parties may rely on the incorrect name if the report is accessed before correction.
  9. Risk that the incorrect name could be used in knowledge-based authentication or identity-screening processes.
  10. Risk that the incorrect name may remain in historical, archived, vendor, or third-party credit-reporting data unless fully corrected.
  11. Risk that the incorrect name could be connected to unauthorized civil, marital-status, legal, or administrative records if any such records exist.
  12. Risk that a false Power of Attorney, affidavit, waiver, guardianship appointment, marriage license, marriage certificate, common law marriage claim, or similar instrument may be used to claim authority, consent, legal relationship, or identity association without my permission.

16. Preservation of Evidence

I preserved screenshots of the Experian portal pages showing:

  1. The incorrect name entry.
  2. The available dispute options.
  3. The identity-theft warning.
  4. The same/similar-name warning.
  5. The dispute cart.
  6. The review page before submission.
  7. The final submission failure.

The screenshots are labeled:

  • Exhibit A1 — Experian personal information page showing the incorrect name.
  • Exhibit A2 — Dispute reason dropdown.
  • Exhibit A3 — Identity theft warning.
  • Exhibit A4 — Same or similar name / mixed information warning.
  • Exhibit A5 — Incorrect name added to dispute cart.
  • Exhibit A6 — Review request page before submission.
  • Exhibit A7 — Final error showing dispute was not submitted.

I request that Experian preserve all internal logs, records, timestamps, source files, data transmissions, dispute workflow records, portal error records, audit records, identity-verification records, consumer report records, third-party access records, and source records relating to the incorrect name “Sarai Hannah Willis.”

17. Formal Dispute Statement

I formally dispute the completeness and accuracy of the name “Sarai Hannah Willis” appearing on my Experian credit report.

I request that Experian conduct a reasonable reinvestigation under the FCRA and provide written results.

I request that Experian correct, suppress, delete, or block the incorrect name unless Experian can verify through reliable records that the name lawfully and accurately belongs to me.

I also request that Experian explain why the online dispute portal failed to process the dispute and confirm that the failed online submission will not prejudice, delay, or restrict my dispute rights.

18. Requested Outcome

I request that Experian:

  1. Open a manual dispute for the incorrect name “Sarai Hannah Willis.”
  2. Investigate the source and origin of the incorrect name entry.
  3. Provide the method of verification used to determine whether the name belongs on my report.
  4. Correct, suppress, delete, or block the incorrect name if Experian cannot verify that it belongs to me.
  5. Confirm in writing when the correction has been completed.
  6. Provide a corrected copy of my Experian credit report after the update.
  7. Explain why the online dispute portal failed to submit the item.
  8. Explain why no alert or notification was sent to me about the incorrect name.
  9. Confirm whether the issue was treated as a mixed-file issue, identity-theft concern, or personal-information accuracy dispute.
  10. Preserve all internal logs, source records, audit trails, portal records, and third-party data records related to the incorrect name entry.
  11. Identify whether the incorrect name was provided by a furnisher, vendor, data broker, creditor, public-record source, or internal Experian matching process.
  12. Confirm whether the incorrect name was shared with or displayed to any third party through a consumer report.
  13. Confirm whether any creditor, landlord, lender, insurer, employment-related screening entity, or other permissible-purpose user received a report containing the incorrect name.
  14. Confirm whether Experian has any record tying the incorrect name to a marriage license, marriage certificate, common law marriage claim, affidavit, waiver, Power of Attorney, guardianship appointment, authorization, civil document, legal document, administrative document, or similar instrument.
  15. Confirm whether Experian has any record showing that I authorized any person to act on my behalf.
  16. Confirm whether Experian has any record showing the use of my North Dakota Real ID Driver License card or consumer credit file reports in connection with the name “Sarai Hannah Willis.”

19. Closing Statement

I discovered the incorrect name “Sarai Hannah Willis” on my Experian credit report on June 30, 2026, at approximately 8:30 PM Central Time.

I have never used or authorized the name “Sarai Hannah Willis.” I did not receive any prior alert or notification from Experian that this incorrect name had appeared on my credit report.

I attempted to dispute the incorrect name through Experian’s online portal, but the dispute did not submit successfully. The portal displayed a system error stating that Experian was unable to process the item and instructed me to contact Experian by phone.

I further state that I have never authorized any person, Power of Attorney, affidavit, waiver, guardianship appointment, marriage license, marriage certificate, common law marriage claim, civil document, legal document, administrative document, or similar instrument that purports to bear my signature, reflect my consent, create any legal relationship, create any marital status, or confer any legal authority involving any other person.

Any such instrument, if it exists, is unauthorized, disputed, denied, and not authentic.

I do not know how “Sarai Hannah Willis” became connected to my Experian credit file. I do not know the identity of the person or persons who may have accessed, used, submitted, or relied upon my identification documents, North Dakota Real ID Driver License card, consumer credit file reports, or personal-identifying information without my explicit knowledge, consent, or authorization.

I am documenting this issue because the incorrect name may indicate an inaccurate data match, mixed-file issue, unauthorized alias, unauthorized civil/legal identity association, or identity-theft-related personal-information association. I request a complete FCRA reinvestigation, written explanation, correction of the inaccurate personal information, and preservation of all related records.

Prepared by:
Sarai Hannah Ajai

Date Prepared: June 30, 2026






















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Location: Fargo, ND, USA

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