Consumer complaint received 2023-03-16
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 status incorrect

Complaint:
In 2016, i had opened a checking and savings accountn with XXXX XXXX XXXX XXXX XXXX, a few later my car was broken into, and everything stolen. All of my personal documents, id, ssn, bills, and banking folder with all of my bank information, and personal checks as well. The very next day a woman, that ive never met or seen, goes into the XXXX CA XXXX bank, cashes a check, from my personal account, and walks away with about $ XXXX {$800.00}. A few days later, a bank representative calls me and tells me to go in to the bank to talk. I go in as soon as possible, and they tell me and show me the receipt of the checks that were cashed. They have the womans, picture, a copy of her id, and her signiture, but the bank asked me if i gave heI told him no, r consent to change the checks, '' i said no knowledge of her identity, or any information concerning her. '' The bank manager tells me, that im responsible for the checks cashed, and i must pay the bank back for the money given to her. i told him no, that why was i responsible for that, when ive been a victim of breaking into my vehicle, and theft, and fraudulant charges against my account. The bank has violated my customer protection laws against fraud, and identity theft, and wrongful negative reports on my credit report. I tired to get a differant response from them, but was said i was at fault. Since then, i felt i wasnt wrong, for what had happened. I tried to research online at the time of incident, but didnt know how to go about resolving this. Since then, from XXXX present date, my credit report has been highly impacted negatively, and because of the bad report the bank gave me, i havent been able to open a bank account longer than a month. Since then i have been a victim of identity theft. Because of this i cant open a bank account, cant get a loan, and cant even apply for any financial help to rent an apartment or buy a house. My fiancee and i were recently in the market to purchase a home, and due to this and several other fraudulant charges on my credit report, was denied and couldnt buy a home, or anything else. This has affected my life for the last XXXX  years, until recently, i figuered out i could complain here, and talked to a lawyer. 
A few months ago i received a 1099tax form, of a cancelation of debt by the bank involved in this, but they didnt give me a refund on the money that was stolen from me. They didnt remove the negative report from my credit report, or even send a self explanitory letter, or apoligy. 
If it has been too late to report this, can the bank at least be held responsible for fixing my credit report and removing the negative deliquent charge on my credit report.I cant move on in life due to the negative impact this has caused my life, I cant open a bank account, and i cant even get married, my fiancee sees this as almost a justified reason to XXXX XXXX XXXX, due to the heavy impact on my credit report and life. /why is there consumer and customer protection laws against identity theft, unauthorized charges, fraud, and customer protection. if they are not going to protect my rights, and my banking account. How can i move on in life when this has been negatively been impacting my life.

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