Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has decided to take it upon themselves to create false accusations and have stated that they have a right to unblock FRAUDULENT Accounts that were opened as a result of Identity theft. Experian has already been notified that these were fraudulent accounts and took it upon themselves instead to unblock the fraudulent accounts illegally. Marked a consumer statement saying these cards were used by an unauthorized user fraudulently. When in fact the whole credit card account is fraudulent, The application for the credit card ( s ) were in fact fraudulent in XXXX, as XXXX XXXX XXXX XXXX advised me that the address used to open the fraudulent accounts was XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX which was included in my identity theft affidavit, Again Experian is allowing these fraudulent accounts to be unblocked stating " Material Misrepresentation '' When in fact Experian has not provided such proof. This Material is not misrepresented. The account was opened from a thief using my identification documents that were stolen. The Address XXXX XXXX, XXXX and XXXX have provided doesn't match my credit bureau report address. Again a lie, secondly, I never received any cards from XXXX XXXX XXXX XXXX. XXXX XXXX was notified that I was a victim of Identity theft. As was XXXX and XXXX I provided them my affidavit and they refused to research it. Per Law 605 ( B ) I am a victim of identity theft. I do not have membership to XXXX XXXX XXXX XXXX ( Which is required per their security department ) I do not have membership with XXXX which requires Military association and I do not have accounts with XXXX I do not have any accounts with XXXX XXXX XXXX XXXX Nor XXXX. XXXX has blocked these accounts. XXXX has handled this without issue. However Experian is the only credit bureau that is allowing the creditor to fraudulently place accounts on my credit file that a thief opened without my authorization, and then boldly writing a consumer statement I never wrote. My ID Theft Affidavit is attached to this complaint and I want this resolved as Experian is causing me monetary loss because of these Four fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Opened Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. ( Consumer Statement Credit Bureau put on the file ) Your Statement THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES Again this is not my statement, and I did not write that statement because the whole application IS FRAUD. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name - Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Account charged off. {$4600.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Open. {$83.00} past due as of XX/XX/XXXX. 
Balance {$850.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Open. {$870.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$15000.00} As you can see all of these accounts were opened with stolen Identification, It doesn't match my current drivers license, The Address being sent To " Experian '' Which they say they verify yet can't provide said proof of is also fraudulent and Experian confirmed to me they blocked that Address. Told the CFPB They blocked the account and then re add it back a week later.

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