Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: LA
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:
This is the original complaint, I filed and the response from XXXX. 
Opened on XX/XX/XXXX Complaint # XXXX I was involved in a relationship, a young lady and made the decision to, move back to my family/home state.home and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The XXXX card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, XXXX  has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages. 

( Company 's Response ) on XX/XX/XXXX We would be happy to assist you, but we need some additional information because we are unable to locate the account in question based on the limited information in your inquiry. Please contact XXXX XXXX at XXXX, extension XXXX as soon as possible. If we do not receive the necessary information, we will consider this matter closed. We look forward to speaking with you. 

I have Called XXXX XXXX and place voicemail on his service, that states he would call back, within one business day, but if possible, he would return the call, the same business day. The toll free number on XXXX XXXX voice mail, directs you to call that number, If you need help right away and request extension XXXX, That number rings and takes you to phone line loop. I have call him on XX/XX/XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX. I have to receive a call back or a any contact! I have provide everything I have on the account, including the account number listed on the credit report. This is not a account issued to me, so I have only the information list on my credit report. 

They are required to keep records for a certain period of time and this account, is within that time frame. XXXX has enough information to report, this account on my credit file, But not enough information to correct the error. If a major Corporation as XXXX has no record of the account and doesn't have the ability to retrieve the account, How can the account be justified reporting to the credit bureau ( s )? If XXXX has no record of the file. It does exist, per their response!!! I have spoke with anyone or any written contracts/agreements ( including emails ) for this account. They have my personal information, with out any authorization and no record of the account, while reporting to my credit file. There in nothing professional, responsible or morally correct, about this delay, in correcting their error. 

There is also a address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX. That is not address, that I have ever visited or resided at, I have only resided at one address, in XXXX, NY XXXX and it is listed on my credit file. The other address, has no relationship to me.

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