Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The problem is that XXXX XXXX XXXX  agreed to give someone in my name a credit card with a limit of {$2000.00}, these people used the card from XXXX XXXX XXXX XXXX XXXX  and stopped using it, leaving a negative balance of {$610.00}, which Now it hurts my credit. I have never received, either personally or to my home, the sending of that credit card, I have not had any banking relationship with this XXXX bank, they never sent me information about the process of this situation, or sent me by mail stating that they had I received that card, nothing about it. I have come to find out about this problem because in XXXX they contacted me by phone about three times telling me that when I was going to pay? something that I did not understand what they were talking about? and I told them that I was not I do not have any outstanding debt or credit card with XXXX XXXX XXXX I do not, I recognized that debt, I had no more telephone contacts with them, I thought that, It was a scam but my surprise was that when I try to rent, apartment, XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX and it appears in my credit background, given by XXXX XXXX XXXX, that I have a debt and it is indeed with that XXXX bank where it says : potentially negative, it caused me great surprise and indignation since all my credit was impeccable except for that It is not mine. I have not been able to rent due to this situation, which is harming me a lot, since then I opened disputes with the credit bureaus : Experian, XXXX and XXXX, I also put out a fraud alert. I opened a dispute with XXXX XXXX  and of course with XXXX XXXX  which is bank when they learned about the disputes was when for the first time I received a letter from XXXX dated XX/XX/XXXX, referring to the case of an account that ends in XXXX where they say : we confirm that the account information is reported precisely. '' I have called them several times by phone and I have spoken to their fraud department to give me concrete answers, evidence of their investigation and I still have no news. This was fraudulent activity and the bank must answer how all this happened I have tried to rent an apartment again and I did it with the community of XXXX in XXXX, date XXXX XX/XX/XXXX, and the same thing happens to me. 
-I put a fraud alert. I opened a dispute with XXXX XXXX and of course with XXXXXXXX XXXX, that this bank when they learned of the disputes, was when FOR the first time I received a letter at my house from XXXX XXXX XXXX XXXX, referring to the case, of an account that ends in XXXX where they say : we confirm that the information " The account is reported accurately " I have called them several times by phone and I have spoken to their fraud department to give me concrete answers, evidence of their investigation and I still have no news. This was fraudulent activity and the bank must respond How did all this happen? I have tried to rent an apartment again and I did it with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the same thing happened to me and they did not rent me, it is incredible the problem that this is causing me since the company in which work is relocating to XXXX and needs me to relocate as well no later than XX/XX/XXXX ... I am very concerned and need an immediate solution in this regard. Thanking CFPB for the attention and help they can give me. Sincerely XXXX