Consumer complaint received 2018-11-25
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am completely appalled with how things have been handled by XXXX XXXX  and how they can bully and mistreat me as a consumer, respond to my original CFPB complaint ( Case # XXXX, XXXX XXXX ) without ever consulting me on the issue at hand, portray a story that is completely one sided without taking any accountability for what really happened. There should be a " third party '' investigating this NOT A PAID EMPLOYEE of XXXX XXXX  who has been misleading, dishonest and un-cooperative in my efforts to resolve this issue which has damaged my credit for nearly a year. I began ATTEMPTING to resolve this original account around XX/XX/XXXX when I incurred a few late payments due to unemployment and attempted to resolve with absolutely no cooperation. Early on, XX/XX/XXXX I had the funds to resolve my original account ( XXXX ) but not one person in many calls to XXXX XXXX could locate my account and I was sent back and forth internally to MANY different people who could not help me resolve this. In the meantime, I learned that there was an account that was opened without my authorization which I handled as fraudulent. I was never sent any documentation, nor new cards, NOTHING substanciating the new account which not one person at XXXX XXXX could tell me about except that my original account listed above which I wanted to payoff was closed and I had no other accounts. What had happened, which I didn't learn for nearly 4 months was XXXX XXXX   opened at least 4 different accounts in my name for each time I filed a fraud dispute on new account numbers on my credit report. Again, I had NO DOCUMENTATION OF THESE ACCOUNTS and with multiple calls to XXXX XXXX, over 10 hours on the phone and many representatives who could not tell me about these accounts ( ending in XXXX, XXXX, XXXX, XXXX ). Again to be clear, i had NO DOCUMENTATION, no card and only one account listed as open with late payments that I could not pay because I thought these were fraudulent accounts. The only documents I ever received were bills with NO TRANSACTIONS, different totals, NO SIGNATURE authorizing these accounts, no card or account info. It took me about 4 months to reach the corporate office and speak to XXXX on XX/XX/XXXX who promised to resolve this. I never heard back after many attempts to reach him he was nowhere to be found and no one in the corporate office knew who he was. XXXX XXXX ANOTHER CORPORATE employee sent me a letter on XX/XX/XXXX which specifically outlined the series of accounts that were opened without my knowledge stating they were authorized which is FALSE AND INACCURATE AND VIOLATING MY CONSUMER RIGHTS. This has been a personal disaster for me and it has hurt my credit for most of XXXX costing me distress, financial difficulties and unbearable communication with XXXX XXXX employees that could not elevate my issues for months or explain what was going on. On top of everything, they closed my account which was extremely hurtful personally and to my credit when since day one the goal was to get my original account satisfied but there was no option to do that. I want this account DELETED from my credit report and I am seeking damages for time lost from work, unreasonable communications with XXXX XXXX and the loss of my XXXX Card which I struggled to maintain, the loss of credit and what it has cost me this past year. THIS IS UNBELIEVABLE, that the CFPB CLOSED my original complaint without any investigation of my side and allowed XXXX XXXX to bully me and abuse my rights as a consumer. I have never had any issues and have a long standing excellent history with XXXX XXXX  and other credit cards including XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX 's, etc. which they never considered throughout the duration of my fraud claims and with my multiple attempts to resolve this.

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