Consumer complaint received 2021-08-16
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: Account information incorrect

Complaint:
I was a victim of a fraudulent scam in XXXX of 2019. This scam as described below caused my checking account with XXXX XXXX XXXX XXXX XXXX ( XXXX ) to be over-drafted {$2900.00} and XXXX refused to work with me to get this resolved. This scam has had a negative impact on my credit rating which in turn has had a huge negative impact on my livelihood and the life of my family for the past two years. 
And because this was a joint checking account with my husband his credit has also been negatively impacted across all three credit bureaus. And XXXX has sold this debt to an outside 3rd party collector by the name of XXXX XXXX XXXX which is also being reported on my husbands credit meaning its reporting the same debt twice ( which I believe is illegal ) so his credit scores have been doubly impacted by all of this Due to this scam our credit reports are showing that we owe {$2900.00} to XXXX XXXX XXXX XXXX XXXX ( XXXX ) I reported the issue to SDCCU back in 2019 and tried to file a fraud report but they REFUSED TO LET ME DO SO because they claimed it wasnt an external breach in the bank so I was responsible. It sure seems to me that since this fraud occurred outside of the bank it was an external breach and I should have been able to file a fraud report with XXXX. I have attached all documentation related to this case except a copy of the fraudulent cashiers check which was sent to me by the scam company because when I contacted XXXX to get a copy of the check they told me they sold the debt to XXXX XXXX XXXX so they no longer have the debt nor anything related to it and that I need to call XXXX XXXX XXXX. IF XXXX NO LONGER HAS THE DEBT THEN THEY SHOULD NO LONGER BE REPORTING IT ON MY CREDIT FILES NOR MY HUSBANDS CREDIT FILES. I no longer have a checking account with XXXX because they closed it down after the overdraft so I am not able to go back into my account to get a copy. XXXX has been less than helpful to say the least! I contacted XXXX XXXX XXXX to get a copy of the check but all they could confirm was that theyd bought the debt from XXXX but XXXX never sent them the cashiers check or anything else related to my file. 
Below is how this incident transpired At the time I was going to school online at XXXX XXXX XXXX XXXX. I received an email from the scam company ( see attached email ) about applying for a part time job that is perfect for full time students. That email was sent to my school email account so I thought it was a legitimate job. The job was a XXXX XXXX XXXX XXXX position where I would purchase gift cards and ask specific questions to employees and rate their customer service. 
The application ( See attached doc ) process had me answer questions and when I got approved they sent me a cashiers check with instructions on how to do the job and how Id be paid. I was instructed to deposit the cashiers check into my bank account I deposited through a mobile check deposit feature through the banks app, purchase gift cards from XXXX with that money, and the remaining balance from the cashiers check after purchasing the gift cards was supposed to be my payment. Once I sent proof of the Gift cards to the scam company they cancelled the cashiers check which left my account negative. 

List of attached documents 1 ) Original email from scam company ( showing email address and supposedly physical and mailing address ) 2 ) Application for approval from scam company 3 ) Screen shot of my credit report showing XXXX reporting a debt they claim they no longer have.

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 explanation