Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: FL
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:
This complaint is directly related to the XXXX XXXX case # XXXX lines # XXXX My late husband XXXX XXXX was a branch manager for XXXX XXXX and past away in XX/XX/XXXX. At the time we had out checking account and Mortgage with XXXX XXXX. He had his business/work separate and I had no knowledge of those accounts. I was forced to short sale the home and close out the accounts after his death at the direction of XXXX XXXX and they made no offers of compensation or settlements of any accounts. Then since then I have been wondering why I have had to pay such high interest in all of my credit accounts and car loans. 

Then fast forward to XX/XX/XXXX I was remarried to XXXX XXXX and we wanted to buy a home and we were advised that XXXX XXXX has a credit card that was charged off which we had no knowledge of the account and did the normal dispute. But over the months we have tried to contact XXXX XXXX and have been disputing with the credit bureaus over and over again and they continue coming back saying it is been verified as valid. Then out of frustration on XX/XX/XXXX I wrote a complaint letter to XXXX XXXX in reference to Account # XXXX then I received a response letter from " XXXX XXXX at XXXX XXXX '' to contact her as they are researching our complaint. We called over and over again and left messages. Then they XXXX XXXX came back with a letter on XX/XX/XXXX that is so false it is shocking with statements. 

My name was never authorized to be on the credit card account. XXXX XXXX closed the credit card with a XXXX balance on XX/XX/XXXX shortly after they got the confirmation of my late husbands death in XX/XX/XXXX of which I have copies of the statements that XXXX XXXX sent me. Then on XX/XX/XXXX XXXX XXXX apparently used my personal Information from the previous Mortgage to reopen the credit card ( 26 months later ) in my name without my authorization an account I had no liability or knowledge of. The recent letter of XX/XX/XXXX XXXX XXXX writes numerous lies and claims that because I had a joint checking account they assume I was liable for the credit card balance too after 2 years. Now XXXX XXXX is trying to cover their tracks. I never knew nothing of this account until XXXX of XXXX and now know why I have been suffering since XXXX. 

XXXX XXXX has been posting this on my credit reports for years and has cost me an estimated {$10000.00} in extra fees and interest which I hold XXXX XXXX directly responsible for. XXXX XXXX had taken monies from my accounts when my late husband past away and tried to justify it that it belonged to the bank and I have learned that is not true either. 

Right now, My new XXXX husband and our XXXX XXXX XXXX XXXX son and I are being held hostage by XXXX XXXX for posting this fraud account on my credit files and we are unable to get a mortgage until this is removed from my credit files.

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