Consumer complaint received 2021-11-25
Company: Experian Information Solutions Inc.
State: NJ
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:
I XXXX XXXX an XXXX XXXX American and own a business XXXX XXXX XXXX XXXX The business deals in wholesale of bed and bath It is a minority owned business and has always been profitable for over 15 years I am writing this complaint in regards with XXXX XXXX XXXX Credit Card Account XXXX XXXX XXXX XXXX and XXXX Credit Bureaus incorrect reporting Sometime in XXXX XXXX XXXX from XXXX XXXX  and her senior credit officer were working on asset based lending application for XXXX  XXXX XXXX to replace our existing lender and move with XXXX XXXX We were requested to open a corporate business bank account in order for them to process that application as they said it is mandatory that in order for XXXX to lend to a business that business must have a business checking account with XXXX XXXX  so we opened one Now while our lending application was being reviewed the bank manager XXXX XXXX XXXX at XXXX NJ XXXX XXXX offered a preapproved XXXX guaranteed business credit card for our business with no personal guarantee which looked like a good deal and we signed up We worked in good faith with bankers with an understanding that it is just business account However during my phone call on XXXX XX/XX/XXXX XXXX employee ID XXXX and supervisor XXXX XXXX ID XXXX informed that it is a Joint account which came as a shock and is absolutely incorrect and we disputed that Credit was extended to a business by XXXX XXXX and not to an individual and that too with XXXX guarantee and not a personal guarantee Additionally from the date of opening the above referenced business credit card account in XXXX until XXXX or XXXX XXXX no reporting was ever done on XXXX XXXX personal credit with any of the 3 bureaus Experian XXXX and XXXX because it was always a business account with business liability only and all statements and correspondences were sent to business address and business email We have multiple credit reports for XXXX XXXX from Experian or XXXX or XXXX or XXXX and can be provided upon request Lately we noticed that sometime in XXXX or XXXX of XXXX XXXX started communicating on XXXX XXXX personal email address instead of business email address while the business was going through court proceedings with XXXX XXXX and also noticed that XXXX started reporting this corporate credit card on XXXX XXXX personal credit file with all 3 bureaus Experian XXXX and XXXX as individual credit card which seemed atrocious & frivolous and is again incorrect We disputed the same with all 3 credit bureaus and we were advised by all 3 bureaus to contact XXXX XXXX also for same which we did and request for following We requested XXXXXXXX XXXX to 1 provide us a copy of executed corporate credit card opening documents via fax XXXX XXXX XXXX or email XXXX XXXX XXXX XXXX XXXX XXXX XXXX  immediately and also via postal mail and point out where it reflects that XXXX XXXX signed up a personal credit card or he signed personally liability or joint liability since that was an XXXX guaranteed corporate card 2 remove all reportings from XXXX XXXX personal credit with all 3 bureaus Experian XXXX and XXXX effective immediately as this is a business account only with no personal guarantee We also informed both the agents that there is a litigation pending with XXXX XXXX multiple reasons including discrimination and a replevin order was passed by Honorable Judge in XXXX XXXX and our bank account were frozen and no payments can be made until that case is settled Same was sent to XXXX XXXX via Fax as well as Certified mail and can be provided upon request It was also informed that I have no money and my family with XXXX children is surviving on unemployment money from NJ State and is unable to pay It was also informed that I have bad medical condition and is undergoing through medical treatments and can not take any stress as it may adversely affect his health and family We also learned from the agents that XXXX XXXX will charge off this account on or about XXXX XX/XX/XXXX which we requested to hold off till we receive the executed confirmation on validation of the requested debt from XXXX XXXX but till date XXXX did not provide any documentation or response to our request rather they also charged off that corporate account Also when either of XXXX bureaus contact XXXX XXXX they resolve my dispute by stating reporting is accurate and do not provide any documentation stating that and the 3 bureaus close the dispute I have been disputing the same multiple times but fail to receive any response from XXXX Now as a result of XXXX false notification the other creditors have started closing their accounts for XXXX XXXX XXXX XXXX XXXXXXXX and XXXX are to name a few XXXX XXXX has conned me false fully and forcing my foreclosure XXXX XXXX Business Credit Card Statement is attached for your reference. 

Please help

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