Consumer complaint received 2017-05-28
Company: Experian Information Solutions Inc.
State: MD
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:
The loan account with XXXX XXXX XXXX does not belong to me it is not my account. This loan account belongs to my ex-husband/significant other. I was never on the loan account. XXXX XXXX from XXXX XXXX XXXX fraudulently added me to the loan account in XXXX XXXX - before that I was never on the loan account because I am not a borrower/co-borrower. The account was opened in XXXX as a result of a refinance and my name has never been on the loan account until XXXX XXXX added it in XXXX XXXX. This loan account has never been reported on my credit report by the three major credit bureaus since XXXX when it was opened it has only recently started being reported to the credit bureaus ( and on my credit report ) as of XXXX XXXX ( yet the credit bureaus now indicate I had this account from XXXX to present ). In order to ask questions about the account, my significant other had to add me as an authorized person ; when applying for a loan modification my significant other had to use my income as a household contributor these are just several examples that clearly show I was not on the loan as a borrower/co-borrower. Also prior to XXXX XXXXXXXX correspondence from XXXX XXXX XXXX was always sent to my significant other ; after XXXX XXXX, for the first time, my name was added to any correspondence from XXXX XXXX XXXX. At the closing for this loan, XXXX XXXX XXXX indicated that I could not be on the loan because of my credit - my name was on the original set of loan documents but when it was decided that my credit was not good enough to be on the loan, XXXX XXXX XXXX then sent over a duplicate set of loan documents but with only my significant others name on them for him to sign my name was not on any of the loan documents. The first set that had my name/signature were to be discarded by XXXX XXXX XXXX ; the second set only contained the name of my significant other on the loan as the loan is only in his name. I am attaching the documents indicating that my significant other is the only borrower on the loan. At the time my name was added to the account, my significant other was applying for a loan modification and XXXX XXXX was the single point of contact. When I submitted my financial information as a household contributor and XXXX XXXX saw that it had increased from prior months, I believe that is when he decided to fraudulently add my name to the loan account. When I discovered this and addressed this issue with XXXX XXXX, he pretended that he would investigate the issue and get back to me I never heard back from him regarding this. In fact, the loan had been transferred to another Loan Servicing agency the very next month. XXXX XXXX XXXX continues to report and verify that this account belongs to me after several disputes with credit agencies. If you were to follow the paper trail and review the loan documents recorded with the state and/or title company, you will find that my name is not on any of the loan documents and that I did not sign as a borrower/co-borrower. I ask that XXXX XXXX XXXX do their due diligence and remove this account from my credit and correct this with the credit reporting bureaus as soon as possible as this has caused much pain and suffering with regards to attaining life goals. Please see attached documents to support my complaint. Best Regards

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