Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My ex husband and I shared a joint account at XXXX from back when we were married in XXXX - ( divorced in XX/XX/XXXX ). Our XXXX private banker in XXXX added a Checking Plus account to our joint checking account. My ex husband closed aforementioned account last summer/fall XXXX. According to XXXX, XXXX made no mention of the XXXX checking plus account while visiting a branch to close the account. XXXX said he would've paid it off and closed the account immediately. Unfortunately, since the checking account was closed payments to the checking plus account were no longer auto debited. I immediately contacted XXXX as well as all three CRA 's to inform them the debt is not mine and collection efforts need to be directed to ex husband XXXX. I have called CRAs, disputed, explained, provided faxed documentation of my divorce decree to no resolve. XXXX has allowed this matter to worsen for 10 months of derogatory/ late payments, which has severely damaged my credit scores. Prior to the late payments, my range was in the XXXX and plummeted all the way down to lower XXXX. I have faxed XXXX our divorce decree ( dates below ) which states my ex husband is responsible in addition, he was ordered to REMOVE me from all joint accounts including our Mortgage and HELOC and is the responsible party. I faxed XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting removal with my divorce decree, however I only received XXXX letter in XXXX indicating the debt is valid. In addition to faxing, I have called and spoken with numerous departments and have hours of phone calls documented, including a conversation with a representative named XXXX from the XXXX whom submitted the request to remove me from the account while I waited on hold. Prior to this in XXXX, XXXX wrote a check payment for me go into a branch and pay. When I attempted to pay the account off, the branch XXXX of the XXXX XXXX XXXX said there is no such account on file. In XX/XX/XXXX the account went to collections. I immediately contacted rep XXXX XXXX with XXXX, whom refused to speak with me because I was not listed as an account holder! 

I have disputed with all three CRA 's numerous times and called them directly explaining the situation, including uploading the divorce decree, however the only one whose updated/ deleted the account is XXXX thus far. I have spent hours on the phone with XXXX XXXX, Experian and various XXXX departments in hope this could be resolved. 

This account has created significant issues such as : XXXX. ) I was not given preferred financing for my daughter 's lease in XX/XX/XXXX. I was in tier XXXX and it cost me around $ XXXX more per month interest rate. 

XXXX ) XXXX of my credit lines was closed completely in XXXX due to low FICO XXXX ) Although this is not part of my complaint, I would like to add, XXXX has penalized me for my ex husband 's mortgage default in XXXX, XXXX and short sale in XXXX, even though my ex husband was ordered to remove me and quitclaim deed the property title over to XXXX as his sole property. XXXX reduced my XXXX personal credit lines from XXXX down to XXXX in XXXX, and have not raised my credit limits despite a 100 % excellent payment history. 

XXXX ) I feel victimized and ignored by XXXX, Experian and XXXX and calculated hours of phone calls from XXXX through XXXX. My understanding is XXXX needed to investigate within 30 days, however I have never received any responses to my disputes, except for XXXX letter in XXXX stating the checking plus debt is valid. Furthermore, I would like it noted that I NEVER signed any paperwork to open the credit line in XXXX. I was a housewife and stay at home mother until our divorce in XXXX! Recently, after some research contacted the XXXX Department, who asked me to forward my backup ; XXXX XXXX and XXXX XXXX. See XXXX page fax dated XX/XX/XXXX. To date I have not received a response from XXXX and I believe their 30 days investigation will be up XX/XX/XXXX. Please help!

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