Consumer complaint received 2018-04-26
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:
In XX/XX/XXXX, I discovered a charge off account on my Experian and XXXX personal credit reports. The name of the account is XXXX XXXX XXXX, I had XXXX XXXX XXXX service, but I always paid my bills in time, the only explication in my mind is that this an account of another XXXX XXXX.

I disputed and 30 days later I found the account was " verified '', so I called to XXXX XXXX XXXX XXXX  on XX/XX/XXXX to address the account. They told me they have 8 different accounts under my name and my social security number, 7 of the 8 had been paid in time and in full, just one account has an unpaid balance of {$1400.00}. XXXX XXXX XXXX is a utility company, so I asked for the service address because as I said before I always pay my utility bills on time, the service address of this unpaid account is XXXX XXXX XXXX XXXX XXXX CA, the unpaid billing is from XX/XX/XXXX to XX/XX/XXXX. The  point if my complaint and the reason why I'm sure this account is not mine is that I never lived in XXXX XXXX XXXX XXXX XXXX XXXX, CA. During XX/XX/XXXX and XX/XX/XXXX I was living in XXXX XXXX XXXX XXXX XXXX, CA, I explained to the XXXX XXXX XXXX personal this situation, then she requested a proof that during XX/XX/XXXX and XX/XX/XXXX I was living in another address, like another utility bill with my name ( thing that is not easy because is 4 years ago ) she gave to me a fax number to send out some proof and after I sent the fax I had to wait 2 or 3 weeks because they would investigate the situation.

On XX/XX/XXXX I sent a fax attaching a dispute letter and copies of my XX/XX/XXXX and XX/XX/XXXX tax returns form XXXX, showing my address at the time : XXXX XXXX XXXX XXXX CA XXXX.

On XX/XX/XXXX I called to XXXX XXXX XXXX asked for the results of their investigation, they told me that " I am responsible for the amount due '' because someone named XXXX XXXX called on XX/XX/XXXX and opened the account with the unpaid balance under my name and my social security, that is no possible because XXXX XXXX is my wife but that doesn't mean she can open accounts with my personal and confidential information, even she didn't open this account under my name, in fact, any company should it. In the same call, I requested to the XXXX XXXX XXXX XXXX  a physical copy of the results of their investigation, a validation letter of the debt, a copy of the signed contract of the account and all other documentation they could have, I requested to send all these copies to my current mailing address.

After several days waiting for their mail, I called on XX/XX/XXXX and requested speak to the collection department, I had the placer to speak with one of their representatives and she said they sent the documentation to my mailing address but I didn't receive, during the call I asked to the representative the reason why they allowed someone to open an account behalf another person, and whats the way they prevent the ID theft, she answered that in my case when the person called as " XXXX XXXX '' ( XXXX never opened this account under my name ) to open this unpaid accounts they knew XXXX   was my wife and thats the reason why they allowed to open it, Also they supposed XXXX was an authorized user ( thing that is not logical, how someone can be authorized user in a new account?? ).

I asked for the date when I authorized XXXX XXXX as user, thing that is literally impossible because they said XXXX is the one who opened this account under my name, XXXX XXXX   argument is that I had multiple accounts with them since XX/XX/XXXX and in the another accounts XXXX called as my wife to make payments, but they cant tell me the exactly date when I authorized XXXX   even in previous accounts, they are supposing she is authorized user since XX/XX/XXXX in another accounts and for that reason she has the right to open accounts under my name and my social security number, thing that is completely illegal. I never authorized my wife XXXX as user in any of my utility accounts and Im sure they can not verify me and proof me that I did.

Also I am sure they cant proof me that I am responsible of this account because I never signed a contract for this specific account and I never lived in the address of service, XXXX  XXXX  said they verified I was living in the service address but when I asked for their methods of verification and the representative just answer me that they cant provide me the methods.

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