Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: NC
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 am the victim of identity theft and fraud through an ex girlfriend which occurred over a two year period from XX/XX/XXXX until XX/XX/XXXX. I filed charges against this person for impersonating me and stealing thousands of dollars through 3 credit cards of mine, XXXX, XXXX XXXX XXXX, and XXXX. Two of these cards, XXXX XXXX XXXX and XXXX cleared the fraudulent debt immediately with no trouble, but XXXX has continued to improperly report this debt to intentionally damaged my credit report through false reports. I have attempted to resolve this issue for more than a year on my own to no avail. The XXXX card " investigators '' of the fraud claim have fabricated information making such claims as I provided access to these cards on my own free will, allowed the ex to use them, and even that I was liable because we co-habitated making this a civil matter. I have asked them for documentation to show me where this evidence was gathered, but they refuse. I have never allowed this ex to use my cards and made it clear she took them without my permission, yet they filed reports that it was consensual and permission granted. I have asked for copies of their card agreement with the section highlighted showing me where this would be considered civil as a basis for this decision and they refuse ( I presume because it does not exist ), and have even asked for a copy of my agreement to where I signed this agreement binding me to these terms and contract, to which one was never been provided, either electronically or through the mail. At no time was the person who stole this money given permission to access or use my credit cards, thus resulting in XXXX XXXX XXXX with my local police department of identity theft and credit card fraud. I have provided these police reports to XXXX who refuses to accept them. Instead, XXXX insists this matter is civil as a way to avoid honoring their fraud guarantee they promote in solicitation of their cards. When asked how I am not protected on this fraud protection guarantee, they continue to state their review has resulted in the investigation being deemed civil. XXXX is knowingly damaging my credit for a debt they have been provided proof is not the result of my actions. They refuse to accept these documents and are the only company I have had any issues with as a result of this fraud. I have provided disputes to the credit bureaus and XXXX XXXX deleted the entry, yet Exprian and XXXX  continue to report this charged off card as valid because they state XXXX has provided them responses that the debt is valid. In just XX/XX/XXXX XXXX falsely reported to Experian that the police report provided to them as proof of the fraud was in of itself a material misrepresentation! XXXX will stop at nothing to cause me damage on my credit in an attempt to force me to settle on this debt which is entirely a fraudulent account. I have no other late payments or derogatory marks on my credit history other than XXXX. I have threatened XXXX with legal action, to which the representative literally laughed stating I was bound by their arbitration agreement and they would choose the arbitrator and I would have to pay, so " good luck ''. I understand this clause is an attempt to save time in the court system, but it is also to make it impossible to provide a fair trial in front of a judge. I then suggested XXXX should simply sue me in court if they felt it was a justified debt, because I would never repay this debt and would be happy to explain this in front of a judge who would dismiss their case. Naturally, XXXX refuses to accept this offer because they know they can not win as my evidence and officers who took the fraud report and investigators working the case can testify to the legitimacy of the fraud. The attempt by XXXX to prevent me from having this account deleted is purely for intentional damage to my financial health as well as to harass me to try to get me to break and settle this debt. Since I have attempted all other solutions, I am reaching out to your office for assistance in this matter. XXXX is quite literally keeping me hanging in limbo and chooses not to take any actions of collection or court proceedings knowing they will lose, but also refuses to accept the documentation that this account was the result of Fraud. So at the suggestion of an investigator at the XXXX, NC police department, I am filing a complaint with your office with the hopes of finding some type of resolution to this matter. It is obvious XXXX knows they can not be sued by me and thus are using the Davis vs. Goliath mentality to push my back against the wall and try to blackmail me into paying them money to restore my credit. I refuse to cave into their intimidation tactics and lack of moral and questionable legal tactics and would to please like to request your assistance on this matter. If a police report with XXXX XXXX XXXX listed is not enough to provide proof of the legitimacy of this case, what is?

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