Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am writing to express my deep frustration and disappointment with the lack of action taken by XXXX XXXX regarding the fraudulent opening of a credit card account in my name. Despite my repeated attempts to dispute the fraudulent activity and provide evidence of my innocence, I have encountered an alarming level of disregard for my concerns. 

I discovered an unauthorized credit card account under my name with XXXX XXXX. The card in question was opened when I was underage, making it impossible for me to have initiated the application process or provided the necessary identification. This act of identity theft and fraud has not only compromised my personal information but has also had a detrimental impact on my creditworthiness and financial well-being. 

As soon as I became aware of this fraudulent activity, I immediately contacted XXXX XXXX 's customer service hotline to report the issue and seek assistance in resolving the matter. I was met with a frustrating series of unhelpful responses, delays, and outright refusal to take appropriate action. The representatives I spoke with seemed dismissive and failed to demonstrate a genuine commitment to rectifying the situation. 

Despite providing detailed information about the fraudulent account, including the fact that I was underage at the time of its opening, XXXX XXXX has continuously disregarded my pleas for assistance. I have taken several steps to prove my innocence, such as providing copies of my birth certificate and school records to verify my age during the time the account was opened. However, these efforts were met with indifference and were seemingly ignored by your company. 

I am appalled by the lack of urgency and concern displayed by XXXX XXXX in addressing this serious matter. As a victim of identity theft and fraudulent credit activity, I expect your institution to prioritize the protection and well-being of your customers. Instead, I have been subjected to a prolonged ordeal, which has caused me significant distress and financial harm. 

I demand that XXXX XXXX promptly initiates a thorough investigation into this matter and takes immediate action to remove the fraudulent credit card account from my name. Additionally, I insist that all negative marks and erroneous information related to this fraudulent account be expunged from my credit report. Furthermore, I expect compensation for the damages incurred, including any fees, penalties, or financial losses resulting from this incident. 

Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to relevant consumer protection agencies and seek legal recourse to protect my rights and restore my financial reputation. 

I trust that XXXX XXXX will take my complaint seriously and act swiftly to rectify this distressing situation. I eagerly await your prompt response and resolution to this matter.

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 explanation