Consumer complaint received 2018-07-20
Company: Army and Air Force Exchange Service
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:
Long story short : XX/XX/XXXX contacted company about Credit Card ( CC ) that was under my name. XX/XX/XXXX contacted again no change in status. Contacted again XXXX and XX/XX/XXXX multiple times. Was told account will be closed and they wil handle it. Fastfoward to XX/XX/XXXX account was closed but never taken off report. Contacted XX/XX/XXXX and XX/XX/XXXX no change/no response to email. Emailed again XX/XX/XXXX asking whats going on and for a response, no response. XX/XX/XXXX emailed yet again finally got a response also called, was told to expect call back XX/XX/XXXX. Never got a phone call. Called XXXX, XX/XX/XXXX. Was told on XX/XX/XXXX and XX/XX/XXXX I would get a call back on XX/XX/XXXX, I never did I ended up having to call them. Found out a paycheck is being garnished. Not mine, had my command look and see they said no garnishes are coming out. Gave police report case # to company along with other evidence of Fraud I have had in the past, along with a letter from command stating no garnishes were taken out, and do not own a XXXX XXXX card, and command was never notified of any missed payments delinquent account ( per their policy they notify person command ). Address on application they also stated was my " home of record since XXXX ''. That was not true I also sent an a XXXX from XXXX to show my address was in XXXX Sine then I lived in XXXX til XXXX and then moved to XXXX with orders and am still currently here. Also they stated they sent something mail in XX/XX/XXXX to us, we never received anything, nor did they call us for a follow up etc. They sent a copy to wifes email on XX/XX/XXXX when we called them, about what they sent in mail in XX/XX/XXXX that we never got. Part of it was an application, that stated person who applied for card had NO job, NO time with current employer, NO time at address listed on applications, and NO time serving. At that time I did have a job, I was serving XXXX XXXX, and I did have time with employer. And also as a heads up they collected payment from someone elses paycheck while it was under dispute and reported it to the credit bureau which violates the Fair Credit Billing Act, also states this on their policy as well. We also contacted Federal Trade Commission as well. It also states on credit report account was not disputed. It indeed was. It also should state on my credit report that right now its under DISPUTE, BUT IT DOES NOT STATE THAT. I have had a XXXX XXXX   CC opened in my name that I did not open, which was charged off as bad debt apparently, when we found this out via credit report we contacted them and in the end they ended up closing and removing it off my credit report due to fraud. I also had a home loan opened sometime in XXXX under my name that I never applied for, found this out via trying to make a dispute on the XXXX XXXX CC ( however we ended up just going into a XXXX XXXX to and call fraud department with an employee to take care of it in the end. My wife and I also found out about all of these in the same year XXXX. ) I never had a home loan before, never owned a house, nothing, only rented. This ended up coming off my report along with a discounters XXXX loan/CC that I also again never had. All of these were apparently opened in the time of XXXX. After the home loan, XXXX XXXX CC and the discounter XXXX came off the report I also put up a fraud alert on to my account as well. The only items on my credit report should be a loan for my truck, and a Credit Card with XXXX XXXX only. That is it. Also the XXXX XXXX card company said they have no records of phone calls documented XX/XX/XXXX and so forth until XXXX or XXXX one of the two the lady stated. I have phone records as well that I sent them showing we called on other dates.

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 explanation