Consumer complaint received 2019-12-23
Company: Experian Information Solutions Inc.
State: TX
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:
Experian continually has my credit report containing Fraud.  Experian Refuses to do any investigation nor block the item. Experian continually advises that Material is being misrepresented or that I knowingly obtained the items or goods or should have known. The Company that they are reporting on my credit report " XXXX XXXX XXXX '' Sent me a letter advising the ACCOUNT HAD BEEN OPENED AT AN ADDRESS I HAVE NEVER LIVED AT. XXXX XXXX XXXX XXXX, TX XXXX. The Company themselves can't provide me proof besides some kind of merchant documentation they are trying to use. This is a Fraudulent account, XXXX agreed that the account was Opened online. XXXX never called me to Clear my Fraud alert. XXXX never sent me a card, So I was not able to make Transactions on an account I didn't know existed. Here are a few Details that prove no material is being misrepresented. XXXX - Knowingly, advised that they opened this card with 5 DIFFERENT Card numbers. XXXX ( fraud ) XXXX ( fraud ) XXXX ( fraud ) XXXX ( charged off ) XXXX Also advised they opened the account dispute as a transactional fraud inquiry when it fact it's Application fraud. After this XXXX sent me a letter advising me that the card was applied for online, and that they used the Email Address XXXX, Which was also found on the Dark web being sold by identity thieves, Both Experian and XXXX found this. Yet XXXX says this was used to register the account online. XXXX also advises that There was a " Chat Session '' To dispute transactions. Considering I didn't even know an account existed there is no way for me to chat about an account, that I had no idea about. I have alerted the proper authorities about the compromised email. In addition to that the account is fraudulent, I have not lived at any of the addresses they have provided to Experian. Experian is knowingly accepting Fraudulent accounts and placing them on my consumer file because Experian refuses to follow Federal Regulations, and Refuses to accept nor follow the laws put in place from the FCRA. 

Account # XXXX Balance {$4600.00} Is Fraudulent, Has been fraudulent, and all information provided has been signed under the penalty of Perjury. Therefore my Identity Theft Affidavit that is provided from the FTC Attached, Is legally binding. I did not authorize this account to be opened. The Company themselves advised that the account was opened online, and that they couldn't provide a application. The account is invalid, It is not being reported correctly. You are Materially providing information on my consumer report of a Fraudulent account, Knowing it's fraudulent but because they are your vendor you continually misrepresent it on my credit report. This account was not obtained by me, and I am providing that Letter as well. Additionally, This account also says that the credit card was sent to XXXX XXXX XXXX XXXX TX XXXX. Which is also on my identity theft affidavit. 

This account is not mine, I did not make charges on this account, nor did I receive the card. I did not apply for this account obviously, and the company never cleared my fraud alert either they had no idea I was a victim of identity theft. Please remove the inaccurately reported account.

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