Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX, I discovered that identity theft had been committed on my social security number to acquire gas services at XXXX XXXX XXXX XXXX XXXX, GA XXXX in XX/XX/XXXX ( XX/XX/XXXX to XX/XX/XXXX XXXX account number XXXX ). I have never lived at that address in XXXX. Additionally, I have lived in my current house since XX/XX/XXXX. Also, my name was changed due to marriage in XX/XX/XXXX, yet the fraudulent services were obtained in my previous married name of " XXXX XXXX. '' I immediately called XXXX XXXX to file a complaint and have this removed from my credit report. I spoke with XXXX at XXXX and she advised that their offices closed due to COVID19, but that as soon as they opened, she would have a fraud packet sent to me. XXXX called me on XX/XX/XXXX, to advise that the packet would be mailed XX/XX/XXXX. 

Upon receipt of the packet, I read about all of the required materials in order to dispute. There was a claim form, an identity fraud affidavit that had to be notarized, and it required a police report, 2 proofs of utility bills from that time frame to show my correct address, and a copy of my Driver 's License. 

On XX/XX/XXXX Officer XXXX  XXXX was dispatched to my home ( XXXX XXXX XXXX XXXX, GA XXXX ) to file a police report for identity theft. 

I also looked up the address on the XXXX County Tax website and saw that the property belonged to XXXX and XXXX ( XXXX ) XXXX. I graduated with Mrs. XXXX 's sister in XXXX.I reached out to Mrs. XXXX on XXXX. She confirmed owning the house and stated it was a rental property. She said she thinks it was rented to XXXX and XXXX XXXX during this time, but she wasn't 100 % certain. I provided this information to Officer XXXX along with Mrs. XXXX 's XXXX account name. 

In addition to the required information stated above, I went above and beyond to provide XXXX with additional information including a copy of the XXXX County Tax records showing that the XXXX 's owned this house, a copy of my mortgage showing that I owned my house at XXXX XXXX XXXX, XXXX XXXX bills from XX/XX/XXXX through XX/XX/XXXX in my name at XXXX XXXX XXXX, my water bill through XXXX XXXX XXXX in XXXX from XX/XX/XXXX through XX/XX/XXXX, my old driver 's license that was expiring XX/XX/XXXX with my XXXX XXXX XXXX address in addition to my renewed driver 's license that also show this address ( reminder - proof must be shown to get your address properly shown on your driver 's license ), a copy of my marriage certificate showing that my name was changed XX/XX/XXXX to XXXX XXXX, a copy of my XXXX  XXXX XXXX XXXX claim from XX/XX/XXXX when my basement flooded and had to be repaired, and lastly a document showing my loan being finalized for my house in XX/XX/XXXX as the residence. 

On XX/XX/XXXX, Experience sent a notice that my complaint had been updated ; however, the information was not viewable online until XX/XX/XXXX. As soon as I could view the details, I saw that it was NOT resolved, so I called XXXX rep XXXX back. She was as confused as I was as to why this had not been resolved. I also complained that not only had it not been resolved, but that XXXX had added it AGAIN to my credit report on XX/XX/XXXX after I filed the identity theft claim and stating that I had 30 days to pay the item ( that was set to charge off XX/XX/XXXX ). She asked her supervisor why this would have been re-added and was not provided with an answer. 

On XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX   on XXXX XXXX since this still was not resolved. ( XXXX   Complaint Case # XXXX Ref # XXXX ). 

On XX/XX/XXXX, I received another notification from Experian that there was an update to my credit file. I was hopeful that this would be the clearing of the fraudulent activity, but it was not. Not only did it NOT clear the fraud, it dinged me AGAIN for late payment on this very fraud. To say that I am livid would be an understatement. I called XXXX again and asked to be transferred to XXXX at ext. XXXX XXXX XXXX ). XXXX remembered me from the previous calls and put me on hold while she looked into it. She checked with their internal person who is assigned to their building from the Credit Bureau ( she said it was a male, but didn't give me a name ). He said he mailed a letter to my XXXX XXXX XXXX address on XX/XX/XXXX asking for one additional proof of residence. I never received that letter. She asked that he mail another copy today. 

I am completely dissatisfied with the way this is being handled. This is identity theft, and I have gone above and beyond to resolve it. I will continue to escalate this with whoever I need to in order to have it removed from my credit. I will be writing a letter to the Office of the President at XXXX  and I will contact news agencies. This is not the way to treat citizens who diligently pay their bills. I am a law-abiding citizen, a registered voter, and a volunteer in my community. This has to stop. 

I do not know of anyone who had access to my private information, and I have never had a breach of my private information to my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX

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