Consumer complaint received 2023-02-12
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:
Recount of what happened on the XX/XX/2023 XXXX XXXX called XXXX Bank. To see why the collections Department closed the rep payee account created for XXXX XXXX XXXX Benefits. The account was XXXX XXXX XXXX for XXXX XXXX XXXX 

Meaning XXXX XXXX could not sign any forms or have any dealings with said account according to XXXX policies. According to XXXX statements the Account in question belongs to XXXX XXXX not XXXX XXXX. XXXX argued with XXXX that since XXXX signed they could close said account. 

XXXX did not sign the account because its not her account. XXXX XXXX, XXXX and XXXX administrator agreed. Supervisor states its a joint account. XXXX and XXXX had an account for a car payment that was the only Document signed by both of them. Before XXXX was even qualified for XXXX. 

Someone in the collections Department copy pasted signatures and added the 2 separate Documents together. Which correspondent several months apart. I let the supervisor or this Department know that XXXX has a XXXX and I take care of her with said account. 

He said I need to go to the branch, and if XXXX doesn't pay off an outstanding debt she can not have any accounts at XXXX Bank. He also stated XXXX not allowed to know what the XXXX is in reference to due to confidentiality. 


Next Day XX/XX/2023 XXXX Calls XXXX Banks debt Cancellation Department and speaks to a woman. XXXX records her calls because she has a XXXX. So the call was recorded. XXXX talks to the woman about the fraud XXXX committed some years Back. 

XXXX is trying to get through to the woman that she has no account with them and her credit card loan is almost paid off. Asking why they closed her Benefits account. The woman was reading off false statements insinuating that XXXX went to the car dealership to sign for a car. Also insinuating that XXXX knew the person, and that she was coerced into signing for said fraudulent vehicle. 

XXXX explained to the women that she never went to a dealer to sign for a vehicle with the perpetrator who committed fraud. XXXX stated that she doesn't know the man at all. Only this Daughter online. The woman from XXXX trys to play on XXXX XXXX and get her to say the untrue fraudulent statement she read off to her. 

The documents she read were not from any conversation that XXXX had with the bank. These are plagiarized documents. XXXX stated she never said any of those words on said documents. XXXX stated she talked to a Banker to report the car in her name as fraud. Asking the bank how is there a vehicle in her name? 

The bank tells her the persons name who is on the car with her and adds she should leave it like that. Due to the perpetrator of fraud making payments. XXXX walks away from that conversation thinking that is the banks policy due to her XXXX. The bank began to harass XXXX when the perpetrator missed or was late on payments. XXXX asked them to please close the account. It is fraudulent several times. 

She also asked them to repossess said vehicle. The perpetrator of fraud stopped making payments. The bank is now holding XXXX responsible for paying off the perpetrators bill. The Bank repossessed the car. The bank has also sold the vehicle in question. The woman on the line began to XXXX XXXX, getting her upset from the force of peer pressure. 

XXXX gets upset and cries. The women tries to take a lighter approach telling XXXX that she needs to clear up her account by paying it off and XXXX states she has no accounts that were all closed years ago and the woman from the fraud department hangs up on XXXX. 
Thank you

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