Consumer complaint received 2017-03-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While monitoring our credit thru the XXXX website we noticed that an account which we were unfamiliar with was placed into collections. 
XXXX in the amount of {$1400.00}. Date placed XX/XX/XXXX Called XXXX at XXXX on XX/XX/XXXX and spoke with XXXX at XXXX. He asked what were the last 4 digits of the social security number which he did not have. Once I gave him the number he entered it and said the account was updated and I should call the client ( XXXX ) and give them account # XXXX and file # XXXX. I spoke to XXXX at XXXX ( XXXX ) regarding the incident and he then transferred me to XXXX. XXXX told me that someone had called in XX/XX/XXXX and she had record of it on file in which the caller told XXXX to remove my name from the contract. 
I was not aware of who called in XX/XX/XXXX but upon my request XXXX emailed me a copy of a signed contract on file ( see attached ). I reviewed the contract and discovered the following. 
The company is the business of alarm monitoring ( XXXX ). 
I am unfamiliar and never requested this service at the address on file ( XXXX XXXX , Nevada XXXX ). 
The person who appeared to have requested it is named on the contract as XXXX. On the section below her information my information was added under the section of spouse. My husband and I own the property but have not lived in it since XX/XX/XXXX when we got married. The date on the contract and its effective date is listed as XX/XX/XXXX. 
There is a checking account number listed which appears to belong to XXXX. 
The contract is signed by XXXX and below her name my named was signed and dated with the same style signature ( XXXX ). It is no doubt that the same person signed. It should be noted that I was divorced in XX/XX/XXXX and no longer use the last name XXXX. This contract was executed on XX/XX/XXXX. 
It should be noted that I did not signed this contract and the signature should be analyzed. It is obvious that the same person that signed XXXX signed my name. 
On further research, I learned that XXXX uses the services of third party contractors for the installation of the security equipment. Here, the services of XXXX ( address listed below ) was used. There is a representative signature of XXXX whom I assume was the installer. 
I used services to locate XXXX. Once I was able to contact her she told me that the installer advised her to add my name ( XXXX ) and to sign and date. 
Here, the responsible parties seem to have been XXXX, XXXX, XXXX-Installer, here represented as XXXX, and XXXX. 
If XXXX acted on the advised of the XXXX installer ( XXXX ) then she should have known better not to sign someone else 's name. 
The installer ( XXXX ) should have never advise on legal contracts. I can only assume that XXXX is compensated on a commission basis and that its incentive enough to initiate the sale and execution of a contract which is no different than a car salesman. 
XXXX is also responsible because they should have some metrics in place to monitor third party contractors and not assume that by using independent contractors they can wipe away all liability. 
If XXXX and XXXX follows the XXXX and are ethical in their dealings, then XXXX should confirm the identity of the person signing the contracts and obtain some government issue credential to verify identity. However, I think the motivator here was to close the deal without regard of what might occur in the future. 
I never signed for this account and it is only obvious as to what occurred.I am asking that my name be completely removed from all the credit

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 non-monetary relief