Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with XXXX XXXX, they did their investigation and I do not agree with all of the results from their investigation. I'm not requesting money or claiming any type of monetary refund. I'm requesting a more accurate accounting of what really happened. 
According to their investigation an account was opened in my name in XXXX. I agree. It also states, " information was verified as your information and XXXX opened an account. '' Well, this is totally questionable. What information? My name? My social security number? Because the address was not mine, the phone number was not mine, the email was not mine, I asked to see my signature and they couldn't produce anything. What kind of verification system does XXXX have anyway? So the statement that they verified my information is a half truth. 

They claim that " the card and several additional mailings were mailed in your name to your valid address over the life of the account '', exactly when? I didn't know about the existence of the card until I got a XXXX order to access my wife 's business po box . Nothing came to my home. Once I contacted XXXX about the invoices found in her po box is when XXXX started contacting myself directly at my phone number, my email and my home address. 

I feel XXXX is mistaken and what they feel their findings reveal is not correctly interpreted. Double check your findings to make sure it is my address not my wife 's business address, email and cel number. 

Bottomline, my credit was issued to someone else without my knowledge. Whether I benefited or not is not the question. To that question, I paid the debt in full. 

The issue was ... the issuing of this credit without my knowledge cause problems at the time of my wife 's death due to probate and other circumstances, I had difficulty paying this debt I had no prior knowledge of. But despite all this, I did pay off the debt. I was trying to figure out how to pay it and it took some time. XXXX is just as guilty of causing this confusion as is my late wife. I'm the only one not guilty of anything. Yet I seem to be the only one being punished. The problem is not whether I paid or not, the problem is I didn't pay on time and what was the cause of delay. The cause of delay was not my fault. I should not be penalized for this. XXXX was a participant in the reason for the delay. 
That is all I'm saying and the report should reflect this. 

I think XXXX should reconsider their stance considering that I'm not requesting anything monetary. I'm not sure why the letter is listing refunds, I didn't ask for may money. I just do not want a blemish on my Credit history which I do not feel I deserve. I feel under the circumstances I took care of my credit obligation even though I wasn't fully convinced that the debt was mine. Technically the courts allowed me to pay from my wife 's estate after reviewing my situation. I don't understand why XXXX can not understand what the XXXX XXXX court system understood. 

Anyway, this is a matter of principle. I will take legal action if necessary. 
If that happens I will be looking for monetary gain. 

If XXXX actually has proof, my signature or proof of mailing invoices to my home address for the life of the account, or emails to my email address, etc... instead of claiming to have these records, how about showing it to all of us? 

Please understand, I had to dig deep into my wife 's finances and personal data to find the XXXX XXXX. Once found I contacted XXXX promptly to figure out what it was and how to resolve the situation to the benefit of both parties. If XXXX 's claim is correct and it was being sent to me, I wouldn't. have had to dig for it. 

I'm not above apologizing if I'm wrong. There is a chance I could be mistaken but so far, I don't see how. But showing us the record of what XXXX claims to have would finish this dispute promptly. 

Unless I see something substantial, I'll not be going away.

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