Consumer complaint received 2023-02-22
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:
To begin, I ran my FICA score from my bank. When I agreed to have the bank scan my data for ID monitoring, for the last two years, the report revealed TWO activities linked to my SSN. The report further stated that I should review my name and addresses listed to double check for accuracy. 

Well, someone fraudulently used my SSN to open 3 accounts using my name. In addition to my current address, a second address was listed in the city of XXXX, MO. I had never lived in that city before. Thus, I knew something was wrong. 

Further, for the last two years I have been closely watching my FICA Score because it had gone from over 800 points to below 600 points. I justified the reduced scoring because I had one credit card that had a high balance and took over a year to payoff. Well, now I know that the TRUE reason my FICA Score plummeted two years ago, is because a person got a hold of my SSN and opened 3 accounts under my name and ruined my long-maintained credit score of being in the 800 range. 

The most detrimental account that was fraudulently opened was a XXXX Credit Card with a credit limit of {$3500.00}, opened in XXXX. This person made on time payments for the first 3 months, then made XXXX payments for the next XXXX months. Then the account was maxed out and at 102 % over the limit in the amount of {$3500.00}. The account was closed, a Charge-off was initiated from the Bank. 
I called the XXXX Bank today, XX/XX/XXXX, and the bank confirmed this account was closed. I was transferred 3 times. The last rep informed me that because of the status of this account that I need to talk to someone from their Fraudulent Department. I have to call tomorrow morning since this department was closed. 

The second account that was fraudulently created was an XXXX XXXX XXXX. As of the date of the Monitoring ID Report I requested on XX/XX/XXXX, the balance of the CC was {$0.00} and a credit limit of {$15000.00}. This was not my current XXXX. XXXX card because the beginning accounts numbers did not match mine and this CC was based out of XXXX XXXX, FL, whereas my current CC is based out of XXXX XXXX, CA. 

The third account that I believe is not my personal account is SYNCB/PPC from XXXX, FL. This is an active account ; there were payments received in XXXX and XX/XX/XXXX. The account was opened on XX/XX/XXXX. Highest balance amount was {$1400.00}. 

I will be calling the XXXX and XXXX XXXX , plus the Fraudulent Department XXXX XXXX tomorrow. TODAY, I successfully communicated with Experian, XXXX and XXXX about the identity theft of using my SSN to open the above mentioned 3 accounts plus the damage to my FICA Score and the incorrect address from XXXX, MO. I did receive a file number from XXXX and XXXX. All three of these credit agencies want me to mail and/or email the FTC Report to them once I complete this process with you. 

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