I have reached the underwriting portion of obtaining a mortgage loan. My credit report was pulled from the XXXX credit bureaus. However, there is a discrepancy regarding my legal name with the credit bureaus. XXXX, XXXX lists my legal name correctly. Experian made my middle name into my last name and my last name into my middle name. My last name is just one letter. It 's an unusual last name. Experian refuses to change my name to reflect my legal name stating that their system can not accommodate one letter last names. Because of name discrepancy, the mortgage company has to disregard my Experian score and weigh heavily on my XXXX and XXXX. My XXXX score is currently XXXX. XXXX is XXXX and Experian is XXXX. I can not qualify for the loan program that I was trying to obtain. This is quite unfair. If both XXXX and XXXX can show my legal name correctly why ca n't Experian do the same. This is costing me extra money.