Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft. On XX/XX/XXXX, the suspect opened credit card account XXXX with XXXX and accrued {$3500.00} in charges. I believe the suspect stole my mail, specifically a XXXX tax form sent from my previous employer, from a mailbox located at address XXXX XXXX XXXX, XXXXXXXX XXXX where I lived from XX/XX/XXXX through XX/XX/XXXX. I discovered this fraudulent account on XX/XX/XXXX as I was looking at my credit report and noticed this unfamiliar bank and delinquent account. As soon as I discovered the account, I called XXXX to report the fraudulent account. I spoke with a representative in the XXXX XXXX Department, XXXX, who advised that the account was opened using the XXXX XXXX XXXX XXXXXXXX address. I had not been living at this address for XXXX years when this account was applied for and opened on XX/XX/XXXX. 

On XX/XX/XXXX, I reported this theft to the XXXX XXXX XXXX Precinct, XXXX XXXX, who advised that I needed a written statement from the bank with details and information used to open the account before he could file a police report. On XX/XX/XXXX, I sent XXXX a letter of request for business records related to this fraudulent account, along with the FTC Identity Theft Report, my government issued proof of identity, the Fair Credit Reporting Act Section 609 ( e ), and a link to ftc.gov resource titled Businesses Must Provide Victims and Law Enforcement with Transaction Records Related to Identity Theft. 

It has been XXXX days since I sent XXXX the letter of request for business records related to this fraudulent account and the only correspondence I have received is an Affidavit of XXXX form to fill out and send back to them in order for them to investigate. My consumer rights have been violated and I demand resolution to have this fraudulent account removed from my credit files. I have taken steps to dispute this fraudulent account by reporting the fraudulent account to XXXX, disputing the account with all three credit bureaus - Experian, XXXX, and XXXX - filing a complaint with the XXXX, as well as the XXXX  Police Department. Additionally, I have placed a freeze on my credit, set up fraud alerts, and added consumer statements with all three credit bureaus. 

This credit card account was opened fraudulently using my personal information without my consent or permission. I did not open or authorize this account. My credit report is showing incorrect information by claiming this credit card account under my identity. I demand that XXXX, XXXX, Experian, and XXXX absolve me of all charges on the fraudulent account and all activities associated with it, and that all appropriate steps are taken to remove information about this account 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