Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2022 I received a credit card from XXXX XXXX XXXX in a name I haven't used in 4 years. Luckily it showed up at my mailbox. I contacted XXXX XXXX  XXXX, spoke with XXXX in fraud and filed a fraud complaint ( case # XXXX ). XXXX assured me their fraud department would take care of this, the inquiry would be removed from my credit report ect. I then went to Experian, froze my credit and placed a fraud alert on it. XX/XX/2022, I receive an email about ANOTHER credit card I had been approved for thru XXXXk XXXX XXXX. This time, however, due to the other situation and placing a fraud alert on my credit report and locking it down, XXXX XXXXXXXX XXXX actually contacted me. I spoke with XXXX in underwriting and explained to her what had happened in XXXX and she said they would mark the application as fraudulent and it would be taken care of ( which it was ) Fast forward to XX/XX/XXXX and I had my credit pulled for another reason and sure enough, on my report, shows an active account with XXXX XXXXXXXX XXXX that was opened in XX/XX/2022. This account is now showing deliquent because it has a {$75.00} annual fee that hasn't been paid. First off, this account IS NOT active because I never activated it. I also had filed a fraudulent complaint with experian and they removed it and supposedly started an investigation. However, here it is again and experian said they completed their investigatin and that XXXX  XXXX XXXX said it was a " current active account '' and therefore remains on my credit. XXXX???? I have done everything on my end to take care of this and was told by both XXXX  XXXX XXXX and Experian it would be taken care of. Experian investigated (? ) nice investigation. First off, why would I apply for a credit card that isn't even in my name. XXXXXXXX XXXX XXXX says it's " accurate '' and so that ends their investigation? This is wrong on so many levels. I was failed by XXXX  XXXX XXXX and Experian. XX/XX/2022 I make contact with XXXX  XXXX XXXX 's fraud department AGAIN. This time I speak with " XXXX from Georgia ''. I ask so many questions and get no answers. 
All she has to say is " this will be taken care of '' ( case # XXXX ). I explain the XXXX process and she informs me there is no notes of anything ever being done on my account. WOW, good job XXXX  XXXX XXXX, sure am glad I actually don't have any accounts with you if that is how your fraud department works. I would apprecaite this all being taken care of. I have now filed XXXX fraud claims with XXXX XXXX XXXX for the same situation and 1 with Experian. I have locked down my credit and placed a fraud alert on my credit. Can we please get these companies to take care of the American consumer like they should be?

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