Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: TX
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:
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 has doesn't match my credit bureau report address. Again a lie, secondly, I never recieved any cards from XXXX XXXX XXXX XXXX. XXXX XXXX was notified that I was a victim of Identity theft. I provided them my affidavit and they refused to research it. Per Law 603(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 any accounts with XXXX XXXX XXXX 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 two fraudulent accounts.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXDate OpenedAccount charged off. $XXXX written off. $XXXX past due as of XX/XX/XXXX.(Consumer Statement Credit Bureau put on the file)Your StatementTHIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES.----------------------------------------------------------------------------------------------XXXX XXXX XXXX XXXXAccount NameXXXXAccount NumberCredit cardAccount TypeIndividualResponsibilityXX/XX/XXXXDate OpenedAccount charged off. $XXXX written off. $XXXX past due as of XX/XX/XXXX.Again Consumer statement not written by me - Your Statement(MY CREDIT CARDS WERE USED BY AN UNAUTHORIZED SIGNER WITHOUT MY PERMISSION.) These aren't my credit cards, I definitely wouldn't have authorized that statement when I am a victim of ID Theft.

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