Consumer complaint received 2022-02-12
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:
XX/XX/XXXX -- A person by the alleging his name was " XXXX '' called me pretending to work for " XXXX XXXX XXXX Bank XXXXs Fraud Department XXXX XXXX This person was able to spoof their number to reflect XXXX Bank 's actual phone number on my caller ID. He stated, " there were fraudulent attempts on my account in XXXX, TX a few minutes before the phone call and was calling to verify the charges. '' He also stated, " my debit card was linked to the XXXX 's XXXX app which seem to just be used. '' The call seemed legit because I was in XXXX at the time of the call and had just filled up car at the XXXX 's gas station. After speaking with him a bit longer the call started to get suspicious and I hung up the phone. After the call, I was not able to log into my XXXX online banking via the mobile app as my login information ( username ) and my personal information ( my cell phone number ) had been to his. 

XX/XX/XXXX -- I noticed a fraudulent charge from a company named " XXXX XXXX XXXX XXXX '' appeared on my hacked bank checking account in the amount of {$1000.00} via XXXX for a fraudulent secured personal loan. 

XX/XX/XXXX -- Another charge in the amount of {$4.00} was debited via XXXX from my checking account by XXXX XXXX XXXX XXXX for a fraudulent secured personal loan. 

**Both transactions were disputed through chase on XXXX/XXXX/XXXX. A **A signed affidavit was submitted to XXXX XXXX fraud department on XX/XX/XXXX and the charges since have deemed fraudulent by XXXX Bank XXXX fraud department. The charges were reversed and the account was restricted. 

XX/XX/XXXX -- All three credit bureaus updates my credit report to reflect this fraudulent account from XXXX XXXX XXXX XXXX. I've never applied to this and never did business with this company. 

XX/XX/XXXX -- -On this Tuesday, I contacted XXXX via a number on google XXXX XXXX at XXXX to request a deletion and removal of this fraudulent account. At the time, I spoke with a representative named " XXXX, '' who informed me that the account would be deleted, marked as fraud and I would receive a letter in XXXX hours via email about our communication. '' I have yet to receive any of this information. 

XX/XX/XXXX -- XXXX XXXX Fraud Department had completed their investigation and it was determined that I was not responsible for the charges and the transactions were reversed. 

A police report was made with the XXXX XXXX Police Department on XX/XX/XXXX. 

A identity theft FTC report was XX/XX/XXXX. 

I've been contacting all three credit bureaus ( Experian, XXXX and XXXX ) for removal of this fraudulent account with the supporting documents and they are refusing to properly investigate the fraud. Even with the supporting evidence, I am being told that this is my account per the service provider. I've added fraud alerts to all three credit bureaus prior to this incident and " XXXX XXXX XXXX Services '' did not contact me to verify whether or not I applied for this account prior to approving it. 

On one of my credit reports, the creditor is listed as " XXXX, XXXX '' with a phone number listed as XXXX. I attempted to contact this number only to find out it was linked to a mobile device which was not answered. An inquiry for XXXX, XXXX or XXXX XXXX was never added to my credit report for me to know an attempt at credit was being made against my social security number. 

On my XXXX report, the account is listed with the creditor 's name as XXXX XXXX address as : XXXX XXXX XXXX XXXX Floor XXXX, XXXX XXXX, NY XXXX ( Contact info : XXXX ). 

On my XXXX report, the account is listed with the creditor 's name as : XXXX, address as : po box XXXX, XXXX, UT XXXX and contact info as : XXXX. 

On my Experian report, the account is listed with the creditor 's name as : XXXX, address as : po box XXXX, XXXX, UT XXXX and contact info as : XXXX. 

I've attempted to dispute these charges on my credit report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and will be disputing them again this month. 

The credit reporting bureaus have not attempted to remove this false account nor has the alleged creditor. This is not my account and I did not authorize these charges.

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