Consumer complaint received 2019-12-19
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX I reported the card stolen I reported the card stolen via email since the XXXX  online mobile banking was down. I did not realize my atm was left behind until I ordered a pizza at home. The following day on my day off after checking my car to make sure i did not drop it accidentally inside my car which i have done innocently before. I contacted the XXXX where my card was last used. I realized then I had taken the card out and had to stick it into the card reader machine since i had a chip on the debit card. I was told by the employee who answered that my XXXX  card was not in their lost and found drawer. The employee even went as far as asking the lady who charged me who also confirmed no one turned in my atm card when i accidentally left it behind there. I had some fraud done on a XXXX  ATM debit card & was robbed of almost {$780.00} in fraudulent transactions while their website was down, which were not made by me but by whoever picked up the card at the XXXX after me. A male who was very close to me as I purchased my lunch is who I suspect was the person who actually seen my pin and took the card. The purchase at the XXXX was the 2nd to last item transaction I purchased before the pizza i ordered that was made by me the rest was fraud and my direct deposit of my work check. I also work for a financial institution and was given your info by my employer. I purchased food from a place where I am a regular there i only needed to provide my card # info which i had. However XXXX XXXX  dispute team refused to reimburse me back for all the fraudulent transactions that where made. I am a creature of habit and if you see all my statements with them i do the exact same thing every month except for this time my acct was cleared immediately by the suspect criminal who got their hands on my debit card. I had no choice but to give up and I closed the acct & took my biz elsewhere. Is there anything you can do to help me? The police won't do anything. I have emailed the ceo and no response. My life feels ruined. Especially, during the holidays when I need my hard earned money the most. This is causing me so much grief that I didn't know who else to turn to. This happened to me in XXXX. XXXX 'XXXX   dispute team & their fake investigation carried on until the ending of this past month when i gave up After disputing this 2 times.They have done no real investigation, or have helped me at all. If they did they would see there is no way i would have anything to do with the fraud. Their account statements do not even post what location of the lender so the police also stated they could not even help without a location to get evidence from cameras anyways. There was a XXXX XXXX order that was accessed as well which this person continues to try and charge. XXXX keeps sending me emails since the stolen card is still being charged to XXXX. these are fraudulent transactions, They purposely delayed me. The police financial crimes detective said the money stolen fell under their threshold. I am a victim & my family. We are all suffering the consequences. I wish someone would of warned me that XXXX does not insure their customers money. There was no way I could know these fraud transactions where being made. They have literally ruin my life my credit I am about to have my car repossed because of this which has also affected my credit score and CBR report. I have a car payment i have not been able to make. I had to pay for an auto insurance lapse which I had to pay {$500.00} for and this has left me devastated in so many ways. I look forward to hearing back from you soon. Please feel free to contact me anytime. Thank you so much for taking the time to hear me out & giving me hope and a voice. Thank you.

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