Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This References Cases XXXX and XXXX. 

On XX/XX/XXXX, My XXXX phone and associated XXXX XXXX were stolen in XXXX XXXX XXXX FL. I have completely lost access to this XXXX account, and any account access to the XXXX XXXX itself ( billing, account details, make payments etc ). In the attachment " XXXX XXXX Statement '', you can clearly see that XXXX ID/Phone access is necessary to view your statement. Anyways, the theft was reported to apple upon me receiving a new phone ( can be referenced via attachment " XXXX XX/XX/XXXX '' ). At this point I instructed XXXX to block all charges on this XXXX XXXX, and XXXX XXXX, going forward. XXXX did not formally start these disputes until XXXX, as referenced in the attachments " XXXX XXXX, XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ) ''. Regardless of this, I still had other charges on the card that I knew I needed to pay ( but again no access to the account to know due dates, how much i actually owed as my account had open credits on it, etc ), so those were paid in full in XXXX ( Attachments " Payment to XXXX XXXX and Payment to XXXX XXXX " ). These payments would have been for a billing cycle from a previous month. XXXX XXXX still reported my credit card as 30 days late per attachment " XXXX account payment history per Experian ''. The Previously Mentioned Disputes were not resolved for 2 months, Per attachments " XXXX resolution XXXX, XXXX resolution XXXX, and XXXX resolution XXXX ''. 

After this point, XXXX still allowed charges to be posted to my XXXX id/card account for services that were not applicable ( based on my prior asking for them to disallow use of the card or XXXX ID ). An example can be found via " XXXX receipt XXXX ''. This reignited a similar process above where these non applicable charges were then forwarded to my account, I couldn't view them/the statements/make payments etc. which again, to be clear is for charges that should have never been charged if the card was properly blocked or the XXXX ID was frozen. This resulted in another " late charge '' issued on my account per attachment " XXXX account payment history per Experian '' for XXXX. I reopened this with XXXX today, where they have claimed via phone they will attempt to refund the amounts for this period, attachment " XXXX case XXXX ''. They also verbally addressed the issue around the recoverability of my XXXX ID, and again confirmed that i will never ever be able to access this ID again. 

In Summary, I am asking for the following : XXXX ) Refunds of all charges post XX/XX/XXXX. I have demonstrated they are not mine or for products I have access to. 
XXXX ) All Late charges erased from my credit report. I have displayed multiple times now that these are not my charges in the first place, i asked XXXX XXXX multiple times to block all accounts etc. I should not have my credit score lowered due to this. 
XXXX ) Proof that my XXXX ID ( XXXX ) will be deleted for or recovered. It is clearly my original ID based on me providing emails from apple to that email for that XXXX ID ( see most attachments ). If this is denied, then that should further prove the validity of the above asks. 

Thank you, XXXX XXXX

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